?? About purchasing insurance for two cabins?

[edk35]

We are are a family of 5 and we are booked in two staterooms. We have two reservations so am I booking two different policies???? I just read that longgggggggggg thread about insurance and we do have PEC with two kids having asthma and they all three have peanut allergies therefore we are NOT going with DCL insurance. I would rather purchase the insurance within the 2 week mark of paying deposit, so it is cheaper than waiting until closer to the cruise. (June 16th 2012)


I understand that some outside ins. companies WILL let you move your ins. ONCE if you switch your cruise date? Is that correct??

If you have any other suggestions/tips please feel free to post here. THANKS