You are planning a holiday trip to Hawaii, leaving on November 1 and coming back on November 4. The cost of the ticket is $432, and you are considering whether to buy the Allianz travel insurance before you leave. One of their policies offers the following coverage:

• Cancellation (0.001 probability): 100% of ticket
• Delayed Trip of 2+ hours (0.005 probability): $500
• Delayed Baggage (0.2 probability): $100
• Medical Expenses (0.0001 probability): $15,000

The likelihood of each event occurring based on previous data is in parentheses. Given this information, you should definitely buy Allianz coverage for this trip if:

A. the price of the policy is less than $24 and you are risk neutral

B. the price of the policy is less than $25 and you are risk averse

C. the price of the policy is $25 and you are risk neutral

D. the price of the policy is greater than $25 and you are risk neutral.