As an extensive traveler, I have heard of very few policies that cover me overseas. If not covered by my company, I purchase trip insurance specific to the locale I will be visiting.

Should you engage in babbling and flaming, you might pause for a second and glance down at you shirtfront.

There, centered on your heart, you just might find a small highly intense RED light glowing.

Give it no heed, it is just a reflection.