Mutual agreements would only get one traveler so far (excuse the pun). I finally found a company that would allow me to rule out the skin cancer that was causing the high price, but would always cover another. In no way would this cause a problem as it had been completely removed, but the price was due to the fact that it was not the first primary I had. Our private health coverage for the uncovered condition and also for repatriation, air rescue, etc. If we hadn`t had that coverage, I would have simply opted for the policy that provided the coverage I needed and at the best price. .