You may want to click through on all those coverages, many, if not all are not inculded, but an extra cost.


$9.95 per Covered Person per Covered Trip when you purchase a Scheduled Airline ticket with your enrolled Card.

Premiums start as low as $4.99 per Covered Trip, per Covered Person ($4.50 for NY residents).

etc.

You need to enroll in each of those coverages, and every time you purchase tickets or whatever, they will charge you the premium.

Insurance, just about every type is a total waste of money if you don't use it. It's invaluable if you need it and don't have it.

You need to find your comfort level between those two extreams to see where it works best for you.

Start with whatever coverages you have. Then consider which is the primary coverage for everythign you are looking for, and then see what the prices for it all works out to be.

www.insuremytrip.com is a good site to compare many of the options out there side by side.