I paid $72 to be able to change my flight. When I called to make a change, the cost of making the change was more than buying a new ticket. Rip off!' I was looking at the ticket price on line and asked why so was not getting the online price. They told me When I change a flight I no longer get the best price on line, I get a higher change price. The difference between the 2 flights was about $60 and they quoted me $385! This insurance is a bait and switch. They never intended to honor it. I want my money back!