There's no point in even buying travel insurance if your upfront assumption is that you're not likely to need it so you're going to buy on price. On the other

There's no point in even buying travel insurance if your upfront assumption is that you're not likely to need it so you're going to buy on price. On the other hand insurance is tricky at the best of times. (shill warning) In situations like this I put my trust in Costco because they have a track record of consistently providing a good deal the price. I once knew a guy who ran a roofing business. He said that it was easy for him to insure his workers if they fell off the roof, but difficult to get coverage for when they hit the ground.