Quick insurance story (FWIW):

We always purchase trip insurance through our resort when booking (Couples Negril). I believe it is travel guard or trip guard - something like that. Well two years ago my husband was stung by a stingray which required a nurses visit as well as calling in the doctor. We incurred over $500 in medical expenses. When we got home I started to file the insurance claim with our travel insurance. The fine print said I had to send it through our personal insurance first! Anyway - our personal insurance covered all expenses minus a $20 deductible. That pretty much made the extra insurance I purchased a waste of money. That being said - last year and again this year I purchased the insurance through the resort. Hey - you just never know!