The wand chooses the wizard, Mr. Potter.
When I priced insurance, it was $200-$300 per person. That included the same company Disney uses for its cruises.If you purchase DCL's insurance, I think the 8% is right, or very close. But as Joe mentioned, you have a lot of options. My company uses Allianz for travel insurance, and it's a very good product. You can do a Google search for "travel insurance" and you'll find lots of options to compare. Just take the time to figure out what you're actually getting for the price.