This year I traveled to Britain for 12 days and wanted to make sure I was covered against any type of accident that could easily happen while in the London, UK area. I used InsureMyTrip.com to compare different coverages from multiple sites and then decide on a company. I ended up going with HCC Medical Services and was happy to pay the low fare of only $16.57 that included coverage of the following:
Trip Interruption $5,000 max.
Travel Baggage $250
Complications of Pregnancy First 26 weeks of pregnancy only
Terrorism $50,000 max.
Dental Included in Medical
Emergency Medical Evacuation $500,000 max.
24-Hour Emergency Assistance Yes
Sudden Recurrence of Pre-Existing Conditions
Acute Onset $15,000
Pre-Existing Condition Period 2 Years
Renewable Yes Insurance
A.M. Best Rating A
Refund Policy Varies by Request Date
Accidental Death - 24-Hour $25,000 max.
Accidental Death - Common Carrier $50,000 max.
Accidental Death - Flight Included in Accidental Death - Common Carrier Policy Fulfillment
Email Additional Options $0 ded.
Additional Notes $100/day; 5 day max. Natural Disaster Benefit Included
So basically this policy covered me up to $50,000 for stuff and would include an emergency flight home if I needed it. Having the accidental death was nice BUT not the reason I bought it since I already carry over 1 million of that on myself. It's also nice to have dental included incase an accident includes a face injury. Most people don't realize that your mouth is considered a whole different "medical" problem. I also believe in getting companies that have an A.M. policy of A or higher, this ensures that my claim comes from a company with the money to pay it. I also chose the policy because it trip interruption and travel baggage protection. These are my 2 common occurences on flights and I don't want to be hassled with the expense of dealing with it ON TOP of my time to deal with it.
Hope this helps you and if you have any other tips when you buy insurance to travel I would love to hear them.