Writers-strike weary TV viewers looking for new scripted programming found "Lost" last night on ABC (DIS). More than 16 million fans tuned into the season four premiere, which returned after an eight month hiatus. The hit drama follows the fortunes of air plane crash survivors on a remote and mysterious island. The ratings-topping season opener was packed with tears, gun shots, double-crosses, cryptic messages and flash forwards. Overall, the future looks bleak for the “Oceanic Six” – of which we know three to be Hurley, Jack and Kate – who eventually return to civilization. In typical “Lost” fashion, the audience was left with more questions about survivors’ fate than answers.

If being trapped on a strange island doesn’t sound like your version of paradise, it might be time to consider trip insurance before planning your spring break. Most people only think they’ll need trip insurance in case their flights get cancelled or their luggage disappears. But if you’re planning an exotic family trip, or just a long ski weekend, thinking about emergency medical insurance makes sense.

AIG Travel Guard (AIG) offers several options and upgrades to tailor a package to meet the needs and risks of your travel, including medical coverage up to $10,000, $25,000 or $50,000. Even if you have private health insurance, most plans will not cover a medical evacuation. Imagining a situation when you’re evacuated in an emergency helicopter might make you balk, but breaking your leg shouldn’t break the bank. “The medical responders act first and you pay later,” says Donnie Clapp, of Whitefish Mountain Resort in Bozeman, Montana. “If you need to be medevaced out, they’re going to medevac you out and expect to get paid later. They don’t ask you first.”

On-mountain services from ski patrol are covered within the price of your lift ticket. “They’ll find you and stabilize you, calm you down and transport you either to the clinic on the hill or to a site for further evacuation,” said Clapp. “As soon as the ski patrol gets you to the bottom of the hill and you need medical attention you have to pay for that. And if you need transport to another facility you’ll have to pay for that as well.”