Hi Doris. It sounds like both you and your husband already have primary insurance that will cover you outside the US. It's my understanding that in such a situation your trip insurance would only pay what the primary doesn't pay. In your case they would pay the $3,000 deductible.

If your primary insurance doesn't cover medical evacuation that could be a good reason to have the trip insurance.

Also, as has been pointed out before, the major cost of trip insurance is for the cancellation part not the medical part. Good luck. Tom.