I will be going to BVI from US 7/3-7/11. Will be sailing with Moorings. Bringing my wife (44 y/o), kids (6,8 and 10 y/o) and I(44 y/o). Wanted to purchase insurance for cancellations due to weather or unforeseen medical emergency (kids getting sick prior to trip, med evac win the BVI etc..). Wasn't certain what items are needed in the insurance, flight cancellation, sailboat cancellation, interruption, medical evacuation etc... Also, are some insurance companies more reputable than others? I understand some are using insuremytrip.com, www.allianztravelinsurance.com, www.squaremouth.com, www.skymed.com. Seems hard to figure this out as the devil is in the details and each insurance has different packages and fine print. Any assistance or recommendaton anyone can lend to help this newbie would be deeply appreciated.

Thanks
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