I use TravelGuard. Reason: (1) Someone answers the phone almost immediately. That person is knowledgeable and answers questions, as opposed to other companies who put me on hold or transfer me because the person answering does not know anything and is only a receptionist. With one company I was transferred 3 times and still did not get a good answer. (2) They are available 7/24 (at least when I have called). Important when overseas, on cell with limited reception. Need immediate contact. (2) As others have stated, call and tell agent your travel situation, what is important to you and they can recommend a plan. Example: I do not need to pay for rental car coverage. Insusuremytrip.com only lists a few plans from each company. The TravelGuard plan I chose (Travel Guard Plus) is not listed on Insuremytrip.com. Also, my travel agent has told me to get a lot of Emergency Medical Evacuation insurance. Years ago she had a client traveling in Mexico, and it cost over $200K to get back to California. A personal friend required a nurse to be flown from USA to Spain to accompany him on flight home to Nevada. Not cheap. I go for min of $500K medica evac. There are companies such as Medjet Assist that insure for medical evac only, but nothing else. This is cheaper, but limited.