We booked flights with Silver Air from Key West and latter we needed to cancel & the insurance cost us 40 dollars to cover us if we canceled and found out that expedia does not tell you that you will not get a refund lol what good is buying their insurance, very deceptive and really they just stole 40 dollars from us to cover for nothing but a sham... buyer beware expedia insurance is a scam and they should tell you upfront that you will not get any refund and state their scheme, i will send my experience to the FTC as well... sad company resorting to carnival tactics.