You can use any planar simulator (HFSS, IE3D, etc), I would not use a NEC based program as that will not allow you to use dielectrics. Of course you can use a full 3D simulator that allows 3D magnetic/dielectrics, but simulation time is longer in most cases.
Meshing structures where a trace (stripline) is between two planes acting as ground may require manual intervention (to align the ground meshing with the trace meshing).
If you use a microstrip and use "ground" in a planar simulator, you should cut away a large portion of the ground in case of antennas that will be on the edge of a PCB (so there is no ground under the antenna).