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Depending on the insurance provider, medical expense coverage can pay for the costs of treatment and hospitalization where your normal health insurance policy won't work. This is especially significant when you travel to a foreign country and get sick there. Travel insurance with medical expense coverage can also take care of transportation to the nearest hospital or an emergency flight back to the United States. Medical expense coverage makes it much easier to travel domestically or internationally without worrying. Plus, this coverage is absolutely essential during long trips.