I have used Travel Guard, for our last trip to Africa.
You are right, it is pricey. Fortunately, didn't have to find out of it would pay up, as the trip went flawlessly.

Travel insurance, like all insurance, is kinda like religion-
Better to believe in God, and find out later he doesn't exist, than to not believe, and find out later he does........

I'd rather be a free man in my grave, than living as a puppet or a slave....