Our total premium for 2 people was $75. We are not frequent flyers and we have paid the same $75 the last 3 years. Allianz emails you the full policy and I really like the coverage for med-evac up to $75,000 and if necessary they will send a nurse and doctor to get you home. Also, they have never asked our ages-only how long you are away from home and the cost of your airfare. Our friends at the condo in Maho came down with the flu-they went to Dr DeKeith behind the pharmacy and the office visit was $60 each and drugs were $30 each at the pharmacy. They contacted Allianz and were told it was covered and submit the receipts when they returned to the US.