I am about to switch our reservation over to Costco and currently have Disney insurance. I know that Costco will want me to switch to their insurance company, BUT I want the best coverage. I am not concerned about saving a few $$, but cutting back on the coverage is not an option. On our third cruise (02/04)my son fell at Atlantis and cracked his two front teeth. I never even thought of trying to put a claim in for the repairs. But after reading all of the posts lately about other insurance needs I probably could have gotten some money back. I want the best coverage-- Which policy should I choose????