Carol,

When you purchase the Allianz insurance with your tickets, if I'm not mistaken, I believe they base it on the age of the purchasers and the cost of the airline tickets. So it's conceivable the prices could be that low if the purchasers are on the younger end of the scale. Years ago we used to pay in the $75.00 range but most recently it was $96.00 for both of us and our tickets were in the $1200.00 range including the up front seat costs. This coverage is NOT as good, IMO, as most of the coverages under the programs you offer, but it's a basic coverage assuming you're willing to self-insure the balance of any additional expenses. At least, that's how I perceived it to be...... <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />