A word of advice, extend your cover to a day after you arrive. My folks went to the US for 2 months, their flight was meant to return on a Sat night at 10pm....so they had their travel insurance booked up till midnight that Saturday. Their flight was delayed and landed at 11:30pm, and by the time they got into the taxi to get home, it was 1am Sunday.

They left a laptop bag in the taxi which had a computer, glasses, camera etc in it, that was never returned so claimed it on insurance. The insurance company said that they wouldn't cover it as it happened on the Sunday morning, and hour after their cover had expired. My parents argued with them, that their flight was delayed for an hour and that was out of their hands. Eventually the insurance company came to the party and agreed that they would extend the cover by an hour, which covered their loss.

Long story short, pay for an extra days worth of insurance incase your flight is delayed, or you lose something on the way home etc.