To Cynthia and all who replied,
Thanks for your suggestions. We won't be able to change our dates (very
limited vacation time from work) but the travel insurance will be a great
help. This is a great idea,
and the expense is well worth it. I have been sick over losing the price
of flights within Italy, a great rental car deal that we had to pay in
advance for, and rooms that are
either paid in advance (in one case) or have three week cancellation dates.
Any other help and suggestions would be appreciated.