Word of caution, before you buy TI think about what you're insuring, you'll be very surprised to learn that a lot of the things you're insuring are not covered, 20% devaluation per year, so if they're more than 5 years old you have no claim, eg; your suitcase, your laptop, your camera, your phone, etc etc, I'm speaking from experience, I recently had my suitcase damaged beyond repair, and all the valuable items in it we're not covered due to this fact, read the fine print !
Their website says only twice per year but like most laws their it's not really enforced that much, as someone posted earlier depends if the immigration officer has had a bad hair day !