I used to work for a large travel insurance company. You need to be really careful if you are buying from a company you have never heard of.
Some of these smaller companies do their own underwriting, and so try to find any trick in the book to get out of paying on a claim. Also very often the small print will show you aren't covered for half the stuff you expect.
You need to ask who the underwriter is, and if it isn't a big name you've heard of then don't touch it. you also need to read and compare the policy to make sure you've got proper cover.
The diffence in price isn't ever enough to risk it. You should be able to get a policy underwritten by a big company for a reasonable price.
Some of these smaller companies do their own underwriting, and so try to find any trick in the book to get out of paying on a claim. Also very often the small print will show you aren't covered for half the stuff you expect.
You need to ask who the underwriter is, and if it isn't a big name you've heard of then don't touch it. you also need to read and compare the policy to make sure you've got proper cover.
The diffence in price isn't ever enough to risk it. You should be able to get a policy underwritten by a big company for a reasonable price.