I know this is somewhat late, but I haven't finalized my travel plans, and im sure there are a few of you that haven't either! Before you buy trip insurance, check with your airline's credit cards. For instance, I have the AA Advantage card which gives you 2 free checked bags, PLUS gives you free trip insurance. All you have to do is pay for the trip on the card. Plus, they give you a pretty great mileage bonus if you aren't already a member. Just thought I'd post as an FYI! I never have to buy trip insurance again! And quite frankly, they cover better anyways through the card!