I posted the link this morning, but here it is again
www.accessamerica.com/aaa
When you go to this page, click on the "Travelers" tab near the top, then look to your left, in the column you will see "Trip Assist Family Care". These are the coverages that include Children Under 18 Free.
Ok, here's how/why my policy is $121. I'm 42 now, DH is 40. Our trip, the part that we'd need covered if we had to cancel, for example, on the day before we flew to Florida, is a total of approximately $5000. The cruise itself is $4055. Our airfare is $860. That's just about $5000. So....for $5000 worth of coverage for DH and I, it's $121. DSs are free. You can enter your own info on their web site to get a price, or give them a call on their 800 #.
Note: When I first was entering info, I put down a trip value of $10,000. because after paying for the Radisson, all extra meals not included in the cruise, the Polynesian for after the cruise, the limos, souvenirs, drinks, etc., that's how much this trip will end up costing us. BUT, we only need to insure that first $5000. because THATS the amount of money we'd be out, if we had to cancel the cruise. The other $5000 would never be spent because we'd be home, and not on the cruise. I hope I explained this ok. lol
**Oh yeah, one more thing, when figuring out a price online, be SURE to click the little "Free Child" box underneath where you enter your kids' names and ages!!!** I didn't do this the first time and they added in an extra $50 for each of my DSs.
If you have any more questions, feel free to ask me.

Also, I know this was brought up before, but this is supposedly for people who have AAA, but you do not have to have booked your trip through AAA (which I didn't, I booked through All Seasons). Some people have said they don't have AAA and were able to purchase this insurance anyway, so when you call, ask about it, and if you don't have AAA you might be able to get it anyway.