Maybe the travel agent is including port charges/taxes into the quote, or rolling insurance into that automatically? Our ta gave us a quote for the Gem and when I asked her to break it down, she had automatically put travel insurance in there, although we hadn't said for sure that we wanted it...
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Cort

Booked on Carnival Freedom, Feb. 2012 (Cozumel, Costa Rica, Panama)
NCL Gem, Sept. 2011
NCL Jewel, Feb. 2011
NCL Dawn, Sept. 2010
NCL Spirit, Feb. 2010
NCL Gem, March 2009
RCCL Explorer of the Seas, Feb. 2008
Carnival Miracle, May 2007
Carnival Conquest, April 2006
Caribbean Princess, Feb. 2005
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