I agree the Aruba insurance is a money making enterprise....

Cost does decrease the longer you stay

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The premium starts at US$15 per day for the first 7 days, then decreases to US$10 per day for the next 7 days. It decreases to US$5 per day for the next 36 days and finally to $0 per day for the last 40 days, so for stays lasting between 50 to 90 days the maximum premium is US$350