I ordered FO samples from them for the first time a couple of weeks ago. They adjusted the shipping so it was reasonable (as explained on their cart page). I did not purchase the extra insurance- didn't even notice it was available. I had a question regarding one of the samples, thought there was a possible mistake, e-mailed them asking if they could please send another which they did right away, no questions. I don't believe it's necessary to purchase the extra insurance, and since it's only an option and not required, why stress? If it was added on automatically, then I would not purchase from them.