Thank you all my friends - I purchased the policy for $94.
Thanks @JDiver for nailing it.
As per @Travel K, I purchased it on Travelex.
Answers to my original question:
- For each passenger, I enter the potential charge for depositing the points back as advised by Travelex: so it was $150, $150, $25 and $25
- Because of the two criteria they used, breakdown was $47, $47, 0 and 0 made up the $94.
- Included Medical Evacuation / Repatriation of Remains of $500,000
This was the most time consuming travel planning - I appreciate your tips - someone on this forum said that there is no pre-exisiting condition for my trip so I waited till the last minute - was too busy.