Hi everyone. We are looking at booking a cruise on the Fantasy in August. It seems to me that the prices for the cruise are pretty much set in stone, the only difference is in what a particular agency is offering as a perk! My question relates to trip insurance. I am considering booking through Small World b/c of their on board credit perk. But, it seems to me that Disney insurance is very pricey and has some exclusions. I have been doing some research and it seems cheaper to get a privately. Anyone have any experience with declining the Disney insurance and purchasing a private trip insurance policy? Are there any advantages to the Disney policy? Thanks in advance!