Sadly gugajim, is the only one who gave me a valid response or one at all. This site still lists discounted insurance as one of the benefits of a premium membership, but after signing up and paying $30 there was no way to find out how to get this benefit. I emailed and sent messages through this site without so much as a response or an explanation. Gugajim, is the only one who summed it up best. I went ahead and filed a dispute with my credit card and I would encourage anyone who has signed up and not received what was promised to do the same. Too bad I can't be paid for my lost time on this sinking ship of a site.