Ahhh OK you are getting a good price. Most of our trips are on miles and timeshare stays. Very flexible. I think you are in good shape. We do have an expensive trip next Spring to the Maldives. That was about $1500 for the insurance. For the record, we get one for every Intl trip. Had to make claims to Allianz three times.

1) Weather returning from Hong Kong. Stuck at JFK one night.
2) Weather returning from Cabo. Stuck in Phoenix 3 nights.
3) Sudden death of my mother-had to cancel trip to Aruba.

All claims processed without question. Just had to provide docs justifying the refund amounts. We were very happy with the service. The real reason we get it is in case of medical issues outside the country. Never needed that yet...