Insurance: Airline and other travel suppliers’ insurance for baggage have limited liability. Your personal insurance may not adequately cover losses incurred by cancellation, accident, illness or stolen or damaged property. I strongly urge you to purchase additional insurance. I can help you purchase a low cost very comprehensive policy from Travel Guard International. Click on the Insurance link at the top of the page. Make sure to purchase your travel insurance within 2 weeks of the purchase of your trip so that you can obtain full coverage for trip cancellation because of pre-existing medical conditions.