The key drivers for us were: A. the Medical Insurance being primary and B. the bag delay/theft allowances. Fortunately, we didn't have need of either of these features, but it was nice knowing that if we had an issue we were covered. One of the travelers with us had their bag delayed a day by the airlines, and it took 3 days for it to catch up with us on the Safari. Good thing the camp did laundry and others in the group lent them clothes.
recommend this plan to a friend or relative.