Travel insurance extends far beyond simple cover, and the Dollar value you have attributed to each circumstance; if you fall and break your ankle whilst walking the Great Wall your first thought won’t be "Oh good, I have the first $15,000 of my medical fees covered!" – you’ll want to pick up a phone, dial a number, and know that you’ll be taken care of anytime of the day, anywhere in the world. That is where specialist cover really comes in to its own.