Many assume the AMA insurance we get with our membership is more than it really is. Everyone likes to throw that 2.5 million number out there but that is really misleading. Stepping onto a flying site without your own health coverage is taking a big chance. Everyone thinks crashing your plane into another person is the worst case scenario but it is a very rare occurance. Injuring yourself is very common and the insurance provided with our membership only covers 20 grand which gets eaten up very fast.