I use insuremytrip.com to compare companies. Medical coverage/evacuation is the most important for us, we aren't getting any younger but also want the option to cancel if there is a death/emergency. It costs about 300 bucks for a solid plan from A rated company. The peace of mind is well worth that money to us. We also are well insured at home. After 60 years of living, we know that accidents and illness happen everywhere.