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Medical Assistance Programs are relatively inexpensive and, considering the potentially astronomical cost of an escorted medical evacuation which your travel health insurance coverage doesn't cover, they are well worth it for the peace of mind they give.
There are travel health insurance companies out there whoese travel health insurance coverage will cover you regardless of age or pre-existing condition. Those travel health insurance coverage may be a bit more expensive but feasible on the short term basis needed for most vacations.
Even if you have adequate travel health insurance coverage, you should consider signing up with a Medical Assistance Program. These programs can help you find hospitals, doctors and appropriate medical attention in foreign countries, help you conduct telephone consultations, with you or with foreign doctors, help you arrange interpreters for you in the event of a medical emergency, help you arrange and cover the cost of escorted medical evacuations, and help you arrange for remains to be returned home in the event of death.
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