Life is full of risk, but opportunities come to those who manage them.
Vital
It is vital that you are fully insured, including coverage for medical evacuations
Responsible
Individuals will pay $5-$10k and more for a trip yet think an additional couple hundred bucks breaks the bank. The reality is if they get in trouble overseas, medical bills could be in excess of $50k and evacuations costs could be $250k or more.
Expert Help
More importantly, through coverage, the individual gains an expertise of a team who regularly operates overseas and likely has operated before where the individual is traveling.