I love the Pixagogo site. I think there is a "free" option.
I paid $99 US for the year, unlimited albums/photo storage.
I must have 3 gigs of pix up there. I worry about my digital photos because what if the hard drive crashes, what if the Belizean CD eating bacteria destroys all of my memories!
I went through a lot of research before I settled on this site - www.pixagogo.com