Originally Posted by Roger

Well, it is discrimination. Just select different countries of residence from the dropdown box and see how how rates can change.

Note that country of residence is not the same as nationality. I would imagine that a US national resident in, say, Turkey could be a better bet than a Turkish resident in Turkey. (Examples chosen purely to illustrate a difference without implying anything else.)

'Marketing', yes - an excuse to raise prices to unsuspecting clients while retaining competitive rates in major markets. 'Insurance', no, when comparing rates which don't include insurance - though this is more difficult when only insurance-inclusive rates are available in some markets.