Denise, right, I meant to direct part of my reply to you and forgot. I believe that you deposited your Baltics trip some time ago and the deciding feature for us with CSA (as well as with many other policies) is not available when purchased more than 14 days after the inital deposit (though this is only 7 days on some policies). Anyway, I did want to reply directly to you. We did find an interesting policy offered through American Express, but since it was only for trips of less than 31 days we did not pursue the fine print on it. It did have a provision for return of premium though. It may be of interest to you, they did not reply to our emails, but did answer some of our questions over the phone. Here is the website: https://www.globaltravelshield.com/