We have always used CSA travel Insurance and had to file a claim this past hurricane season. Payment was prompt, no questions. I recommend getting insurance from someone other than the cruise line you're sailing on. Carnivals might be cheaper but does it cover as much.
Teresa and Larry
#36-Carnival Splendor 9/16/12
7 night Mexican Riviera
#37-Allure of the Seas 11/11/12
7 night Eastern Caribbean