Kelly, this is such an important topic!! I agree that trip insurance is often an important (and relatively minor) expense, and I hope Chandler is feeling better soon. As I sit here with ice on my knee to soothe an irritated ligament...I can't kneel, and gardening season is about to start! Doesn't compare, but the point is, you just never know what could crop up. I'm sure you've opened the eyes of lots of WDWMagicers to this.