i was determined not to miss my seven year old daughters christmas. this year, our holiday fell right in among it all too – one birthday while we were away, one on the day we returned, and one 2 days after we returned. depending on the location and the possibility of a complete wipe out of your island, the cost for insurance can be very expensive. he would love to have kids too and there two options for us. look here for a list of changes. 