Subject: Trip insurance
An insurance company that may not be as expensive as American Express (Access America) is CSA. Their rates are based on your age, so if You're under 55, you get the best price.

800 348 9505 , or (CSA Travel Protection) I have used them several times.

If you're going to buy the insurance, it's best to purchase it within 7 days after making your trip deposit, so the pre-existing condition exclusion is waived.

On our most recent group trip we had 6 cancellations which involved an insurance claim. An unusually high number, but all claims were paid.