Since most airlines are allowing you to reschedule/change a flight I didn't put in the cost of our flight in the total cost of the trip. Also, we are using owners' time on the boat so it is significantly less expensive as well. If you are getting it just to show proof of insurance and to have the medical and Covid quarantine coverage you can give them a lower "trip" price which gets you a lower cost on insurance. I didn't need the trip reimbursement on flights or the boat so my trip was "cheap."