Based on past references, I would get tenet if there's good discount. As I weren't able to get that for my previous trip. I went with msig in the end. Examine the clauses very carefully and choose those that has the most probability to affect you. For example if you're taking budget airline, be sure that criterias covering flights that are late by 6 hrs would give you enough cash to cover up for the hotel cancellation charge and so forth.