[sue299]

Just a tip - our TA told us this. Do not take the insurance when you book the trip, but if you want, you can add it to the final payment. The difference is, the insurance is non-refundable. So if you cancel your trip - or change, before the last payment, you will lose the insurance amount. Since you can change anything before last payment, you can add it in then. I take it because being older, you really don't know what can happen. This year, going in Sept, I have the fear because of hurricane season - so just to be prepared. It's like $120 to add I think.