I bought the insurance when I exchanged, but I have $5000.00 in flights that are going to cost $600.00 to exchange and II doesn't know what to do about that problem!! Everytime I call Joshua in Customer Service says he will e-mail his supervisor, Mark and have him call me...that was over a week ago...we call every week, they never return the call. CRAZY SITUATION!!! One more call this week and I am writing HQ if they donot call back.