Insurance confusions

I have been looking at travel insurance providers recently and I am still totally confused by it all.

The quotes vary from about $260 to $530 - all for exactly the same three month period to the same part of the world! I am assuming they all cover varying amounts of events for varying amounts of money, but every insurance provider words things differently. You can't just assume that two companies mean the same thing when they say "Additional Travel Expenses."

I'm probably going to go with one of the expensive companies, just because I know the name!