Sorry I have not used either company you mentioned. However I travel a lot --3 or 4 international trips a year-- and use Travel Insured International. Filed a claim one time when my husband couldn't go and they paid off in a few weeks, no problem. But if you are just looking for medical and medical evacuation coverage you can't beat MedJet-they will take you to your home hospital--not just the closest medical facility which is a HUGE difference from most! Off to Romania in 2 weeks!!