I have read alot about trip insurance. I have visited insuremytrip.com and compared policies. I have also searched the posts here. I figured out 2 things: I need the insurance and it's more than likely cheaper with better coverage to get it myself rather than thru disney. I have also figured out that purchasing most policies within 15 days of making your deposit will allow you not to have any pre-existing medical conditions. But I am still confused as to which one to buy. I looked at the Travelguard Essential and Essential Expanded. The Essential Expanded seemed to have better coverage but was less expensive. I didn't understand that. Does anyone know of a list anywhere that shows which main policies cover for hurricanes and which don't? I need something easier to understand. Thanks in advance.