Hey Ripp, no offense intended with that crack about hating insurance...LOL. I get the double whammy having rental property and a recovery home. I think I'm going to call my carrier next week and see about insuring my rifles and gear. I am going to get medical evacuation insurance and take my chances from there. Roger Whittall covers cancellations due to conditions in Zimbabwe according to my contract. I think I'll get the DEET and forego the condoms and gin. I think I can abstain for that long!