What to avoid when choosing an annual travel insurance?

We are choosing annual travel insurance because of frequent short trips over the weekends or a 1 week trip. Having many options out there has overwhelmed us with a lot of information. Therefore, we would want to find out what are the "No" that we should consider filtering the options?

I found interesting information about your answer here. http://all-insurance-online.blogspot.com/2007/08/specialty-insurance.html

Good luck!