One of our clients offers a $25,000 benefit to cover the cost of emergency evacuation for medical care. One spouse of a sick individual thought they were told that there was a $25,000 benefit for lodging and expenses while waiting for their significant other to be released from the hospital. They proceeded to go a little crazy and spent $10,000 for one week in the Bahamas that they put on their credit cards. The actual coverage for this is $100 a day, up to a max of $500. They were very upset with us, stating they were told it was $25,000 by our service provider. Sorry but $9500 of that bill belongs to you. The insurance is not meant to provide you with another luxury vacation while you care for your spouse. This is an expensive example of why actually listening is a good thing. They heard $25,000, just not what it was for and then ass(u)med they hit the jackpot.