Hi Sue,
You'd have to read the different policies to see what they cover, they do differ.
Here is some links you can check out, I've used CSA lately with no problem, but have not had to make a claim, thats when the test comes into play, having them pay for a loss and how quickly they complete the claim. These are 2 that I have, good luck, better to be safe than sorry.
CSA Insurance
<http://www.csatravelprotection.com/>
Travel Guard
<http://www.travelguard.com/>