I've bought like 6 of these and I always go with AIG Assist because of the brand recognition anywhere. Thanks God that I have never had the need to use them so I can't tell you more specifics but I always try to buy insurance with at least unlimited medical expenses and emergency evacuation; if you have the means to buy something better go for it but all the incidents that I've had with my airline (cancellations, long delays) are usually taken care promptly and efficiently that I haven't had to use insurance.