Marc:
Thanks for your help!

the difference is huge between pre-existing conditions and,no pre-existing conditions for the cancellation policies.
We have no pre-existing stuff, so that choice is clear.

But the diff between a 'normal' insurance policy & the cancellation policy is in 4 figures.

I understand the 'peace of mind' stuff, but is just seems like a lot of money for very little.

We have always taken the insurance...maybe it is time to self-insure?

Don't know. Comments welcome. This is a difficult choice. But I have a few days to make it.

Doug