Yes I agree. The people I work for that I buy the annual Allianz policy for can afford to lose the trip fees. I buy it for them more for the medical and medical evacuation $'s. I filed a claim for our owner who fell on safari in Africa and needed to be airvac to Johannesburg for surgery. All medical and evacuation costs were paid through the claim. They even paid for a nurse to fly first class (they had first class tix) back to US with him since he was in his eighties.