Thanks for your tips. Based on your recommendations, I have looked into Travel Guard and CSA.

I then followed another recommendation to go to http://www.insuremytrip.com entered trip cost, traveling dates and travelers' age, then clicked on the Quote button. On the next page, I checked the check boxes to the left of the two plans offered by CSA, and the two plans offered by Travel Guard, clicked on the Compare checked button toward the end, then I can see a comparison of all four plans side-by-side item-by-item. It was neat. I will choose one from the four plans based on what's important to me. Thanks again.

Mei-Ching (Massachusetts)