Thanks so much for taking the time and energy to write this. We only recently bought trip insurance for the first time. Obviously there are lots and lots of choices and I know nothing about any of them. But I DO know that our main carrier for 60 years is USAA (is it okay that that write that?). And, sure, I know that they aren't THE carrier for this. But what I believe is that they would never do business with any company that wasn't up to their standards. (His choice of USAA was because of his military service 60 years ago.)