Dwayne- I've been doing a little homework and I've read some horror stories myslef! I will be purchasing some soon. I have two in mind so far that seem to cover EVERYTHING we need (a third party is the way to go I think now as well; after reading and taking everyone's advice) The two companies that I'm thinking of going with are 1)$66.00 per person and 2)$68.00 per person both offer pretty much the same things - just a two dollar difference in price. I think one is a little more established than the other, so I'll probably go with that one.
Thanks for all your help.