I think your policy is pretty unusual and I personally wouldn't count on that, when you're talking about a potential cost of $50,000. I know that my Blue Cross policy was totally out of network for services provided in SXM, and I was very thankful that I had separate trip insurance. Travel insurance that includes several things, including trip cancellation, interruption, medical coverage and medical evac is actually pretty reasonable in price. I never used to get trip insurance but I always do now.
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