I paid $180 to insure $550 and have provided 2 letters from Cardo doctors and one from my General Doctor and they are tying it into vivid and denying my claims siting preexisting condition. I had heart surgery in 1989 and have traveled over the Globe since even with Globus... Be aware they are telling me they will give me a credit and that is their scam I should get a refund. Globus keeps the insurance money and pays a fee to AON to administer the denial of the claims. George Ryniak