What insurance to get?

[snowball1982]

So I plan on being abroad for around four months and I really think I need some insurance. For some reason, shit always seems to follow me around... even though I am very healthy and not accident prone - some insurance could be good.

I am looking at this from Travel Cuts:

Plan A: Baggage + Personal Effects (including lost ticket/passport) + Medical Expenses + Personal Accident + Trip Cancellation/Interruption ($5000 before departure and $5000 after departure included) excluding coverage for the USA Worldwide excluding USA is: $ 249 CAD

Plan B: Medical Expenses + Personal Accident + Trip Cancellation/Interruption ($5000 before departure and $5000 after departure included) excluding coverage for the USA Worldwide excluding USA is: $ 136 CAD

Plan D: Medical Expenses + Personal Accident excluding coverage for the USA Worldwide excluding USA is: $ 135.7 CAD

And am leaning to plan B. I am taking a lot of stuff with me, like a cheap laptop, digital cam, Mp3 player, etc.... but I think the likelyhood of it being destroyed/etc is low. Any inputs on travel insurance??

THANKS!