Linda--My understanding is that the insurance is only limited to paying for lodging for $125 a day, which generally would not cover lodging at most places, but Divi may have discounted their rates. I don't remember reading that story but have read other stories of people that the insurance didn't cover ANY lodging. And the medical evac insurance is definitely absolutely worthless, due to the limit on it, which is $20,000, which there is no way that would cover a medical evac from SXM. Regardless, as I said, I would just consider it a throwaway $15 per person and not depend on it for anything.