We went with CSA, it's a great policy and cost alot less than what Disney was selling for. We are flying down the day before and CSA covers our hotel and rental car as well as flight, trip cancelation, lost luggage, delay in travel. You name it they cover it. We have never bought travel insurance before but felt more comfortable buying it because of the kids. We are traveling in a few weeks and didn't purchase it until the end of September. We got our policy about a week after filling out the application on thier web sight. Hope we don't have to use it but feel much better having it. Good luck Tracy