Can anyone share some tips about trip insurance? Is Disney's the best, or would it be better to get it elsewhere? What's covered? We're going in late August, so I'm concerned about Hurricane Season, after living through Charlie two years ago. I'm also concerned about what would happen if one of us got sick during the trip. My credit card covers death and dismemberment, but not an interrupted vacation and we definitely couldn't afford to replace this vacation anytime soon. One other concern is I've already paid for our whole trip, and I noticed in the Disney insurance brochure that you need to buy before trip is paid in full? Help, please.