I paid extra for insurance. Dont even waste your money on insurance. I ended up having a medical emergency and the whole day all I was doing was trying to get help for a change flight time or refund. Finally an agent told me I'd be getting refund and to check my email. Two hours later still no email so I contact cheap tickets again and I'm told that it is not true you cant recieve refunds on medical emergenices even with paid insurance. Agents lie and dont help