We just booked the Feb. 11, 2013 5-night Wonder cruise out of Miami with KSF. We've never gotten travel insurance before, but we've also never sailed during flu season before... I signed up for the Disney travel insurance, but it is $174! Not bad, except that the cruise is only $1706 ($1365 when you take the 20% I saved with Target last week into account). That's nearly 13% of the price of the cruise... I'll probably keep it, but are there better deals out there? And, the wording is so obscure - does it cover flu or similar illnesses?