Have gotten a headache reading several threads on this in the past hour.

I must say that I am confused at WHAT the heck 'Award Extender' really is? I assume this is not what one needs to cover a possible UA total flop, as miles do not "expire" as such? Cost for it is DOUBLE 'Award Guard', which at under $100 a person ($119 + $89) when Joh and I sign seems great value.

'Award Extender' is designed for our members who have miles expiring on one of the airlines we cover. After fulfilling a six-month vesting period at the 'Award Extender' level, we will extend your miles for an unlimited time as long as you keep your membership active and it does not lapse. Only miles that expire after the six month vesting period has been completed will be extended.'

Reading it all I agree with another poster on a previous thread the word "insurance" is not used anywhere. I assume (and it only that) this means that the program does not then need to be registered in 50 whatever states and 30 foreign countries and covered by all kinds of mountains of regulatory paperwork - all of which would probably treble or quadruple the cost at no extra $$ cover for us. It is more "Assurance" than "Insurance" as that poster said.

We are simply buying peace of mind here, for a pittance IMO, and trusting Randy that claims - if any occur - will be met as promised. We are happy to take it on that trust basis.

And lets be honest here folks ... the alternative policy/cover to cover these miles is WHAT???

QUESTION: Is there a cap to either the number of accounts or number of miles?

ANSWER: No cap on the number of programs covered per membership to the extent of those listed in our materials (it doesn't matter if you belong to 2 or 12 programs) and we don't have an actual cap to the number of miles we can protect for you (some members have millions and with the Midway program, while their award structure was not mileage-based, some members did have coverage equal to about 900,000 miles, which why some 10 years later they are still enjoying their awards courtesy of AwardGuard). The restriction is based on payout per year. For instance, new members can't have claims equal to more than $7.500 in a given year PER program. The reality is that most people may redeem 2-4 rewards a year and most don't exceed that cost. The cost being the claim to supply substitution of awards via a purchased airline ticket.