Thanks so much Hank!! Such helpful info. I was thinking about buying a Geo Blue policy and then using the Chase coverage if needed for trip interruption. I believe the Chase also covers cancellation..is that correct? I don't have any pre-existing conditions. I have a Medicare Advantage Plan and it has some coverage out of the US but only $25,000 which I don't consider nearly enough! Geo Blue covers Covid as a diagnosis and also has some coverage for a return flight and hotel if you ended up in quarantine. I too worked in the medical field and so "know the drill" !! I used Allianz when my DH was still alive because of his ill health and pre-existing conditions and I was pleased with them when I needed to file a claim last year. But that coverage is so much more expensive. Does this sound like a good plan to you? I've seen your posts for years and value your insight! Thank you!