People imagine travel problems as dramatic events. Reality skews toward the mundane. Small amounts make up the bulk of what gets paid. Baggage that arrives a day late. Dental pain that will not wait until home. This is the everyday advice (traveltweaks.com) range. They are frequent and individually manageable. The other category is uncommon and expensive. An accident needing surgery in an unfamiliar system. These are unlikely for any individual traveller. Medical bills abroad escalate faster than people expect. Medical transport home costs more than most travellers imagine. The frequent small events and the rare large one make different cases. The frequent category is what people notice. The rare event is the actual reason the product exists. This shapes what to look at when comparing. A generous baggage allowance with a thin medical cap is the wrong shape. Excess amounts affect small claims disproportionately. Some travellers accept a higher excess deliberately. Short delays generally fall below the line. Knowing the realistic picture makes for calmer travel. Anyone with a realistic view of this weighted medical cover above the rest.