It all depends how you book them, for example are you just putting a down payment on the hotel?, what's their policy? how are you booking the air? non-refundable cheap class? usually ins is cheapest to add to the air ticket with the carrier and must be purchase at time of booking. You are ok weather wise, how's the health? anything that might chg your dates? Parents health? I personally used it once, my health, got air price back AND got the tics to use with in the next year!Ins on tics onlt can run 40 or 50 dollars.