To me, one of the most immportant things to know about trip insurance is the medical coverage: will the insurance cover medical evacuation to the nearest stateside port with the appropriate medical facility, or will it cover for medical evacuation to a hospital of your choice? Obviously, you want the latter option so if there is an accident or injury, you will likely want to be transported back to your home state to the hospital you choose. I worked as an admissions RN for a large rehabilitation hospital in NJ, and I have seen too many real scenarios of injured travelers who live elsewhere getting dropped off, say, at a hospital in Florida. And that's as far as their insurance would cover.
It will cost extra for the extended medical options, but they are well-worth it!
Wishing you good health and safe travels!
Teddie