For adventurers trip including extreme sports I buy world nomands, for typical trips I buy Atlas.
This is all after I broke my finger in Jordan. The total hospital cost was $40 which included x rays, doctors, pain med and splint........
If you ever brake your finger it's by far the cheapest option and they have great service. LOL
I also once bought for a small segment of a trip world nomands [ jnb-lvi-jnb ] not the entire trip though, world nomands does take into consideration the length of travel and it reflects a major portion of the cost.