Thanks again. I guess this is starting to make sense. Although I’m starting to wonder if I should just buy the insurance with the ticket…would make things a little more sure.

Maybe I’m overthinking, but now I wonder if given it would be myself, spouse and 2 kids, trip has to be Round trip but tickets can be stitched together separately, and two one ways are the same price as round trip, I wonder if it could make sense to split this to 4 actual PNRs - one each way for wife/kid 1 and another each way for me/kid 2 - use ETC for 3 of these and then the just pay with cash for # 4. This would mostly allow me to use ETC for most of the cost, with some ‘cash’ outlay. Would that work..given the travelers on all are cardholder, spouse and dependent kids?