Next time your travel agent ask if you would like to purchase travel insurance for $200 a person think twice. A little known secret is some credit cards offer this for free. For example chase reserve and Chase sapphire preferred offer up to $10,000 travel protection from illness or weather conditions etc.
Just make sure you read the fine print on everything that is covered. Usually all you need to qualify for this protection is purchase the entire trip using your credit card that offers the protection.