Be very careful with the contract language. If you are looking to supplement loss of medical insurance the wording offered in many, but I'm not sure if all, Harvey Watt plans says it in terms of Social Security disabled and not just loss of medical. SS disabled requires you to basically be unable to do any kind of work- not just being unable to be a pilot. This is a huge point to consider since you are far more likely to lose your medical for something that will not prevent you from all other forms of work and thus keep you from getting paid out from the insurance coverage. Good luck finding what you are looking for and let us know if you find it- I've looked unsuccessfully before for loss of medical with a descent price that was also truly loss of medical insurance.