Trip Insurance? How much is needed, if any???

[wdwnutz]

So here is my dilemma....we are going on the Disney Dream in May, my travel agent explained the trip insurance options to me and I'm undecided how much, if any insurance I really need? The cruise line offers insurance that just covers the cruise, $193 for 4 people. Then AAA offers insurance that covers airfare (SWest) and 2 nights stay at Pop Century for an additional $112. From what I understand all this insurance only covers for serious illness with a doctor note stating you cannot go on the trip or a death in the family. A few years ago we took the insurance on a package and the entire family had the flu the week before and we were not covered. Any advice or more info would be much appreciated!

[BigRedDad]

We never get it. The most we will be out is $200 if we have to cancel.

[vamaggie]

THere are also insurance sites on the web that cover everything but I think you have to buy it w/in a number of days of booking. Depending on when you are cruising/vacationing you may also want to look into a policy that would cover if you had to cancel/miss it due to weather. We very rarely take insurance for land vacations but always do for cruises.