Thank you. Good info. We have GeoBlue Trekker Choice and there is a pre ex waiver on that and we've had it since 2016. Being as we're older we have $100,000 coverage. Just wanted to see if I can add more. The most Allianz gives is $50,000 but it covers a lot of things we don't even need so that's eliminated. We have primary insurance with Medicare supplemental and that has $50,000. We do take the Royal Caribbean insurance also for cancelation plus it gives $25,000 medical. Have an EA policy through AAA for evacuation purposes. Probably sufficiently insured and will just pass on Allianz. I know Steve from the Trip Insurance Store and I do think he sells annual policies.