We will be there from Sept 2nd - 13th so we'll miss you by a couple of days.
As for travel insurance ... I would recommend it if you have any reservations that something might deter your travels. We had to cancel a trip to Costa Rica this year because my wife broke her foot before the trip. Luckily she purchased travel insurance and we received a full refund.
Well worth the money for that peace of mind. We even purchased it for our trip to AC in Sept.