So far, I have been lucky not to need to tender any of the insurance coverage. The ratings on Squaremouth of each of the companies does help me decide. I will keep boarding passes now as a precaution until I see my bag on the carousel--but next BVI trip I am trying carry-on only <img src="http://www.traveltalkonline.com/forums/images/graemlins/Joy.gif" alt="" />

Elderly parents are the reason I choose "cancel for any reason" coverage. With this type of policy no documentation is needed. Just cancel. But the coverage must be purchased within 10 or 14 days of the original purchase of the tickets, it is not available after the initial purchase.