To keep the insurance cost down, I opted out of trip cancellation coverage (that has the biggest impact on premium) and got the most basic policy: medical, medical evac and repatriation coverage, plus a few other odds and ends that come with the basic policy. $118 total for the two of us for 18 days.

I agree, if you have other medical insurance you probably don't need the supplemental policy...but, whatever, just decided to do our best to check all the boxes to get our travel approval.....which I got late last night....finally!