http://www.travelex.com - Travel Lite is what I always buy. Check out what it covers. It does so as the PRIMARY insurer, meaning they pay before any other insurance you may have.

This was a lifesaver for us on a trip about 4 years ago where we thought my daughter had appendicitis. We took her to one doctor who in turn sent us on to a surgeon for a consult where it was determined that she did NOT have it after all. But (despite her not even having it) those two doctors were paid directly and immediately by Travelex, I never had to pay out a dime. A nice phone conversation,a very brief form after we got home and that was that.

It gives me great confidence in the company and should I ever need them for medical evacuation, trip delay/cancellation, lost luggage, etc I feel sure that they'd treat me fairly. Because they already have.