I can only comment on the purchasing of my Alaska Cruise travel policy since I haven't taken the trip yet. The website was pretty intuitive. I especially liked the compare feature as it helped me narrow down my choices. I was unclear about 'Excess' coverage vs 'Primary' coverage. I think excess coverage means my personal health insurances (medicare + supplement) get billed first and I wait for their denial documentation before I can claim benefits from the Trawick Excess plan, in other words Excess is a secondary plan? I'd have appreciated some explanation as well as identifying each plan on the main list as Excess or Primary. I had to compare, 3 at a time, to see which plan was which. I ended up buying a Primary plan.