So, I've done some digging on the site, and most of the threads seem pretty old, so I wanted a fresh perspective. Though my bank/car insurance company (USAA) they offer Travel Insured International coverage for trip insurance. The rates seem pretty fair. Anyone have any recent experience with them? Part of my consideration for them is that since USAA recommends them, that should I have any issues, I would hope USAA would assist in some way.