That seems like a good price for a reasonable product. By no means "top of the line", fwiw. I have an annual plan that covers unlimited travel (but limited to 90 days max per trip) for $500 per year. That pays USD 500 for 4 hour delay and actual expenses up to USD 2000 per day for any delays. The catch with some policies is what they define as a delay (and requiring "medical necessity" for medical evacuation payment -- which basically means they never pay if you are at a foreign hospital. My plan pays for medical evacuation upon demand provided that there is an active medical condition, so I can use it to get home with a broken leg for example even though that has no "necessity".