I bought Travel Guard insurance ($48.00 per person $100 with Carnival) The fee is based on the cost of your trip. It's cheaper and seems to be the same insurance as Carnival offers. I can give you the toll free number if you wish?
I'd suggest you buy the insurance from an independent company. If you're dealing with a TA check with them or go to <insuremytrip.com> to get comparisons from many companies.
Dan
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