Marc,
Suggest you call MedJet, they are very helpful on the phone. The suggestion of an Expat policy is a good one. I think a few years ago I did that when June and I were going to be away from states for some time. When I talked to them on the phone they were very helpful and had good suggestions. They did not try to sell me something that was not needed. I had to give them up a year or so ago do to age and getting the medical form done was just to hard and also had the heart valve issue that would be excluded. My experience with MedJet was excellent. Once you reach 75 years they require a medical form from every doctor you have seen in last year. That becomes a bit of a hassle.