I always get cancellation insurance for my flight in case of having to cancel because of the allowed circumstances. And, I have a wonderful medical insurance through my work pension that would take care of me and my spouse if anything medical should happen. Thinking about that now, I don't believe I would have any insurance to cover the cost of the villa per say. I will have to ask some more questions and see what I come up with. The only reason I would ever not go on my vacation would be because illness or heaven forbid a death in the family.....and I am covered as far as flight or if on island emergency medical. I should check with travel agent to ask questions re what cancellation insurance covers exactly through her.