The mental picture tends toward the severe. The actual pattern is different. The typical claim is not large. Delayed flights and missed connections. A minor injury from an ordinary stumble. These are the common ones. They are frequent and traveltweaks resource individually manageable. The rare severe events sit at the other end. An accident needing surgery in an unfamiliar system. Most people go a lifetime without one. The costs when they occur are substantial. Repatriation is among the largest expenses in travel. The frequent small events and the rare large one make different cases. The frequent category is what people notice. The severe scenario is what genuinely justifies holding cover. The distinction has practical consequences. Medical limits matter more than baggage limits. Excess amounts affect small claims disproportionately. Some travellers accept a higher excess deliberately. Delay cover usually has a threshold before it activates. Accurate expectations are easier to carry than vague fear. Anyone with a realistic view of this weighted medical cover above the rest.
