I have 2 insurance policies. I pay $60/month into the Caja, so if my daughter gets an ear infection etc... free care and medicine. I also have an international policy with Loyds Of London, $5,000,000 cap, so if something serious happens we are covered! That plan costs $2700 a year for family of 3. $250 deductable, so if it is something minor, we just go to ebais.