The big expense for insurance companies is the "cancellation" part of insurance. The other coverages are just thrown in the mix. Very few people use the evacuation part of the insurance most people end up using the cancellation part. So no break because you want to leave out some of the package. I think the MED JET assist is a good plan though. Very inexpensive really and if you ever need it you will be so glad you have it. There are "holes" in the evacuation coverage of the other plans and this is a very sensible thing to have in my opinion.