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Trip/Travel Insurance

FI and I are trying to figure out where to purchase our trip insurance through for the best value.  We will be going to Mexico in early November and *probably* booking our vacation through Delta Vacations.  We are still throwing around the ide of booking the hotel room directly and airfare seperately but that is unlikely, also throwing around the idea of booking with a travel agent but also unlikely. 

So, where do you get the best value for trip insurance?  Also, is it usually worth it to upgrade to the more expensive options?
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Re: Trip/Travel Insurance

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    You can also get travel insurance through places like TravelGuard. Insurance for trip cancellation or if one of you gets sick or injured is definitely worth it.
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