We are using owner time, so it may be a bit different. The insurance does appear on the invoice ( about $170 per person ). I upload that invoice both as proof of insurance and covid lodging. It may not be a great value, but it seemed easiest and it worked out in December.
That is very pricey as compared to the comp/medical policies we purchase…
"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.” -Anthony Bourdain