On my past two ABD trips, I purchased the ABD insurance without giving it much thought. This week I booked a DCL cruise and the price of the insurance was so high in proportion to the price of the trip that I decided to decline. I was willing to accept the slight risk of losing the price of the trip. Then I started thinking about emergency medical evacuation and freaked myself out, so I priced some insurance on my own. And what I discovered was that most companies don't charge for children. So if I had booked the insurance for the cruise through Disney I would have paid twice as much as necessary, since they charged for DS, as well as myself. Any of the policies that I researched would apply just as well to any trip, so now I'm thinking I shouldn't have purchased the ABD insurance because I paid for my son, when he should have been free. Another thing I discovered was that Access America (which Disney uses) has a lower rating than several other travel insurance companies (but maybe they handle Disney customers differently, since I'm sure that is a large source of business for them). Am I missing something here? Is there some reason why I should continue to purchase insurance through ABD, if I travel with them again, rather than purchasing it on my own? Also, does anybody have any experience filing a claim with the insurance they purchased through ABD? Or any experience filing a claim with another company?