Well, we used Costco for our cruise before, and I'd ONLY do it with them again!! I know it SAYS 10% savings, BUT when we had our cruise, it ended up being quite a bit more than 10%. We saved hundreds and hundreds of dollars, and we had NO trouble with them. Glad someone else likes Costco, it's a great savings and I've seen alot of people ( not ANYONE who has posted in this subject, so don't take this personally!!) but anyways, I've seen alot of people who seem angry and all negative about Costco's,when we who are happy with them book with them and then talk about our great savings and happiness. I guess some people can't be happy unless everyone else is doing worse than they are... So, tooncantor, HAPPY for you! As for the insurance thing, I think the MAJOR reason people buy insurance for trips is, if they have to cancel something due to sickness or whatever, they get their money back from the insurance- whereas with Disney and other cruise lines, if you cancel last minute, your'e stuck with the cost anyways.