You're going to pay a lot of money for a secondary insurance policy which is very unlikely to do you any good--at least, when we've discussed it here in the past no one can ever report having made use of theirs. My opinion, for what it's worth, is that those "worldwide" polices are basically scams.
You'll still need to purchase separate insurance in many, perhaps most countries. That may seem like a big deal, but it's not; for the most part, people are hanging around wanting to sell you insurance, and they make it easy. The consternation around this issue that many people feel in advance of a trip is mostly wasted energy. You'll see.
Hope that's helpful.
Mark
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