Putting every thing aside what you read here. you can not go wrong joining AMA for $58.00 just the peace of mind to be covered if some thing does happen. Yes AMA is only a supplement to home owners or renters but If you do not have insurance you are still covered as long as you follow the rules and guidelines setforth by AMA. With your AMA card you get a copy of the information you need and the M.A. which some see uses for. Best to be with a club but when you can't just fly be safe and enjoy.

[8D]