What’s the best travel insurance for your fall trip? It depends.

But which one is right for you? I put that question to Maria Diego, owner of Diego Travel, a Florida-based travel agency. She had just finished sending four travel insurance policy options to a client. Diego says you can find travel insurance online, either through a travel insurance site or directly through a travel insurance company. If you don’t hire a travel agency, make sure you read every policy carefully.

She sticks to three insurance companies: Allianz, Travel Guard and Travelex. “They’re my three main go-tos for travel insurance,” she says, “but each company offers different levels of coverage.” 

Now comes the hard part: matching your insurance needs to one of the policies you’re considering.

“There is no one size fits all,” she says.

She’s right. Even if you work with a travel agent — and this is worth repeating — you need to take the time to pore over the boring fine print on each policy.