In January we just used our Blue Cross/Shield medical insurance and had a letter that said we were covered internationally. When we go in November (with 2 rounds of guests) we bought the Allianz insurance. For our almost 3 weeks there it only cost us $56 for the both of us. It was $86 for all 3 adult kids for 10 days. I decided to buy the insurance this time because our first 10 days are with friends who will then leave and our last 10 days are with our adult kids who will arrive halfway through. With that many people, I decided I'd rather be safe than sorry just in case someone tested positive and had to quarantine.