don't go to Wing ON. They will force you to buy the insurance from their company. They will ask you to hand in the insurance to them when you join their tour. If you cannot it, you should choose their insurance company ONLY otherwise they will not let you to join their tour. That is my experience in last few weeks. That is impossibe for the people to buy any insurance before they join the tour. That mean I must buy the insurance from their agency. I think the customer should have their own right to buy the insurance or not and we have the right to choose the insurance companas well. So I go to the other agency immediately and I will not join any tour from WING ON anymore. . WING ON=POOR