American citizens who travel to foreign countries say they're more concerned about suffering a medical emergency in another country than they are of falling victim to a terrorist attack.
   That was one of the findings in a survey sponsored by Chubb Insurance, which found that American tourists most fear the consequences of being hospitalized in a foreign land.
   It was cited as the greatest concern of 73.5% of those surveyed, which was double the fear of getting mugged, three times the fear of being injured in a terrorist attack and 10 times the fear of being sexually assaulted.
   "Americans are traveling more, especially to exotic locations, and they're engaging in more adventurous activities," says Luis Granados, a Chubb vice president. "This puts them at greater risk of illness and accidental injury. Travelers need to consider how they would handle a medical emergency... in a foreign country, where language barriers and limited access to advanced medical facilities may create a perilous situation."
   With the results of the survey in hand, Chubb is pitching its Signature Passport product as a way to ease such concerns. The insurance, which is a travel accident policy that provides up to $250,000 in coverage for emergency medical transportation to advanced medical facilities, costs $365 per year, per household.
   Among the other features of the insurance is up to $50,000 in coverage, with no deductible, for medical costs incurred as a result of an accident or illness while traveling outside of the United States.
   The insurance is available in 21 states and there are plans to add 10 to 15 additional states by the end of 2006, says Peter Spicer, new product manager for Chubb Personal Insurance.
   The insurance is not available to anyone age 80 or older, he adds.
   Spicer says that even though terrorism gets the most attention from the media, travelers to foreign countries are more concerned about the mundane risks they face all the time.
   "It's the every-day exposure they have that concerns them the most," he says. "It's being in a foreign country, and not knowing your way around a city and getting hit by a taxi cab as you cross the street."