I just received info on AmEx's traveler's medical insurance. It costs $79 single/$119 couple for $50,000 coverage for a year. It will cover 31 continuous days for each trip over 150 miles away from home. Now, I have medical insurance, but this will cover the deductible and even fly my spouse to Madrid if I am in the hospital over 5 days. It will coordinate with my primary plan. My question is...if I am hurt and just flip out that insurance card, will they (hospital or Dr.) say "Fine, Snoo. That's all we need?" Or will I still wind up shelling out cash...?