We have always used Travelguard. Recently, I used insuremytrip to compare prices and features of each insurance policy. One comparison really surprised me, the company could not sell insurance to residents of my home state! Travelguard still was the best value for the most comprehensive coverage. It even would cover me for "unemployment" which could be an issue in 2003 for me. Our coverage cost was $127 per couple for cruise & air up to $1500pp.