We are a family of 4, me, my husband and 2 kids (1 and 4 at the time we cruise). We got insurance thru insuremy trip.com. We got the travelex travel lite policy and it was $79 TOTAL for all 4 of us for a 7 day carib cruise. I think children are free. Seems to have very good coverage. They sent us VERY detailed policy and info in the mail right after I purchased. I highly reccomend this site. You can compare policies there. Look under package policies, and it will insure your airfare and cruice, so if you miss a flight or whatever, it is covered, along w/ lost luggage.