I want to purchase travel insurance for my DH, DD, and myself. I want a policy that covers cost of the trip if we need to cancel due to sickness or something else PLUS covers us if there is an emergency while on the cruise--i.e. hurt on excursion, DD gets sick and needs to go home, etc--JUST IN CASE!!! I looked at Access America and for their Comprehensive plan it looks like I can get all this coverage for under $100 total for all 3. Is this good?? Anyone else have suggestions?? I also want to make sure who I go through is dependable!! I have friends who have spent a lot on the new Carnival ship out of Canaveral and were supposed to leave this Sat. and last Fri. their daughter got in a car accident and is in the ICU in a coma--no health insurance, CAR INSURANCE, and for their cruise this Sat (which of course they're not going) no trip insurance................I don't want this happening to us. Please--any suggestions??