I do have international health benefits through work, and my credit card covers baggage loss/delay and a few small items, but I am not covered for cancellation/interruption or hurricane/weather. B/c I'm travelling the end of Nov., I purchased cancellation/interruption and an ad-on for hurricane. This insurance "throws in" some additional medical, baggage etc.

It cost me $66, it sounds like there's some cheaper options available....US residents or maybe different trip particulars. My trip is not expensive - $1400. The trip cost plays a big factor (of course) in the case of cancellation. Perhaps mine was more expensive due to it being in Nov. as well.