1. Policy premiums vary because the coverages vary. You need to compare coverages and their amounts 1 by 1 for a true apples comparison.

2. Complaints--typically the reviews of individual consumers are negative if a claim was denied. This is across all travel insurers.

3. Look for their BBB rating. This will indicate how well they pay claims v. industry average and their customer service.

4. Checkout reviews.com
http://travel-insurance-review.toptenreviews.com/

It really depends on your needs. We use www.csatravelprotection.com because it is US based with A+ rating w/ the BBB. We rarely need the PRE trip coverages and CSA's IN TRIP coverages are strong and low priced. Their website is not flashy which indicates they are serious about insurance, not marketing.