We do not have medjet or amex or other overseas medical insurance; therefore, we purchase insurance trip by trip. Although we have collected for delayed baggage or trip interruption in the past, these have been minor expense. The main purpose of our buying the insurance has been medical and evacuation.

Reimbursement for trip cancellation is nice but not overly critical; after all, the expense is limited to cost of trip. Therefore, I am wondering about limiting insurance cost by not insuring for full cost of trip. So, some questions.

1. Are you allowed to put a lower number than total trip cost on insurance application?

2. If so, can you still collect up to amount insured if you do have to cancel in advance? If you do cancel, for example, during 50% penalty period, can you get the full amount back (assuming you insured for at least 50%) or do they limit you to 50% of total that insured for?

3. Can you collect for non-refundable air even if you didn't insure for whole cost plus air (again assuming the total is less than the amount of insurance)?

4. To take this to an extreme, can I insure for just $1000 to get mininal trip interruption, delay, and baggage coverage but still maintain medical for entire trip?

thanks,

Marc