Debbie,

Thank You so much for your very informative post.

Insurance is something that I have gotten for some trips but usually I don't as I find that my biggest risk is the health of my parents. My father has a heart condition that, although under control, none of the ins. cos.( including CSA) has been able to categorically state if it's a pre-existing condition or not.
I wish that an ins. co. was able to underwrite an insurance based on cancellation for other reasons, such as work related reasons. Actually, Princess cruises offered ( or at least they offered when we cruised with them in 1998) an insurance in the way of a credit to a future cruise if you needed to cancel for any reason at any time within the penalty period, other than the usual medical reasons. The amount was just slightly higher than the regular ins. and I gladly paid for it.