geez, is this a copy and paste from a few months back from my posting??? savadoll-i had the exact same problem over and over again, must be a glitch, because you're right, it doesn't add it on, so all international express post items with insurance, i have to take right to the post office. its a little annoying, i forget whether or not i emailed paypal about this, but you may want to email/call them to alert them to this problem...good luck...
Kat