Tim C - Thanks for that piece of advise.......good thing all the other times you sailed w/o any Ins. you had good luck. Guess the Mermaids were with ya!
But is just goes to show, how quick things can change and you always need to be prepared......"just-in-case" !!!!! I'll look into the Company you mentioned as well as the other 2 I've narrowed my selection down to. Thanks again for the help!