I read the thread about not traveling without insurance. I have a stupid question, What is the difference between the insurance that you get through the couples resort and the one offered through the airlines? If you miss a flight or a connection then, are you just out of the money if you dont get the insurance. I am not a seasoned traveler and have only been on a plane once when I was a kid. I have a child with a serious medical condition and I want to make sure that I understand. It is not even a question that I want to have the insurance but, need some answers. Thanks so much......155 days and counting.