Kuki, Thanks for the advice about he web site http://insuremytrip.com
I just looked at two of their offers and my wife and I decided to go with Travel Insured. The plan was right for us as well as the price.
This is our first cruise and we need all the information we can get. By the way Kuki, I loved the articles you posted for the first time travelers in the cruise guide. A fantastic balance of information and humor. Thanks again