[MiketheKid]

its worth it if you need it

ive always gone with a third party insurance company because its usually cheaper and sometimes the coverage is better

go to insuremytrip.com - it lets you compare lots of different providers....just be sure to thoroughly ready the policy, and you should be fine.....in the past, ive used TravelInsured and one other company i can't remember the name of now, and was satisfied (but i didnt make a claim, either)