Trip to Big Sky / anyone recommend Travel Insurance

[chomps1211]

I was wondering if anyone here has used and could recommend some good travel insurance. I would like to plan & book a 4-5 day trip to Big Sky MT for my vacation in Jan. Whole thing will run me a about 25 to $2600 dollars. (Airfare, lodging/lift pkg, food, etc.) It's not a fortune, but it isn't something I could stand to lose if something unforeseen comes up.

My biggest fear is,.. I book the trip, pay the deposits and for the flight, then global warming strikes in the form of a Jan. thaw and I get to cancel & lose my money or spend 4 or 5 days trying to ride slush!!!!

OR,.. God help me, They get DUMPED ON just as I'm leaving and the flights grounded or cancelled & I can't get to the best snow EVER!!!!

If anyone has used this type service are there any companies that you would recommend? ...any to steer clear of? What about tips on specific clauses or hidden exclusions I should look out for?

Just wondering if it's worth paying an extra $100-$150 for the peace of mind?
(This would be my very First, Big Mountain Boarding trip!!)