Bee964,
In Europe now, they are not allowed to quote the base airline flight cost, they have to quote you the true cost of the flight that includes taxes, and all the other stuff!!
All i can say about these prices you quoted, is that you are certainly paying a ''Premium Price'' for your flights from Canada. Insurance, ....9 times out of 10, it's best to again hunt the internet. Personally, i've never purchased flight insurance, and never needed or wished i had in the 30 odd years i've been flying the world. Having said that, i quite understand this is a personal preference thing. All i've ever purchased, and then depending on where i was flying too, is medical insurance....
I'm pretty sure you could have found a cheaper air ticket, those prices don't only sound excessive, they ARE excessive!!!!
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Oooops!! ...just remembered your off to Singapore and not China ...haha!! But that still seems a hell of a fare your paying, but not as much as i thought before, when it was China i thought you were going too....
David.....