We use insuremytrip each time we travel. Depending on when you made your deposit, you might not be eligible for the pre-existing conditions on some plans. We usually end up with Allianz Classic since I believe the kids are free and the coverage is pretty decent.
We unfortunately learned the hard way the value of trip insurance. My father-in-law passed away suddenly two days before our big Disney World trip. Since it was within the 5 day cancellation we lost deposits on our first nights hotel and had to pay a lot of penalties to change airlines (which we booked separate from a package). since our Park Hoppers were non refundable since it was within a week of travel, we ended up rebooking everything for 6 months later.