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Travel Insurance for 21 day trip to Australia and New Zealand

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My husband and I are in our 60's and have booked a cruise and stays in Australia and New Zealand. Most of the expenses are prepaid. I've never before taken out travel insurance. My travel agent recommended Allianz or Travelex for $1450 for both of us. Has anyone had experience with travel insurance and/or either of these two companies? I need to make a decision before the deadline 6/4/13.

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