An underlying theme here is managing gaps and redundant coverage. We use SquareMouth (
www.squaremouth.com) to find policies with the specific features we need. Zipling in Costa Rica versus pub crawling in London include very different risk profiles. I have no interest in buying cancellation or interruption insurance because it’s already bundled with one of our credit cards. SquareMouth lets us toggle on & off the features we want without paying for something we don’t need.
Brad