STA Travel Insurance

Buy travel insurance at STA Travel. A premium differs depending on whether you travel to Europe or the rest of the world. So I was expecting to pay 37 pounds for standard insurance plan (12 day trip). I was wrong. "Europe" includes Madeira, Canary Islands and countries bordering the Mediterranean Sea. I'm shown a map of Syria at the counter, which tells me Syria does border the Mediterranean Sea. So I end up paying just 17 pounds.

I do not understand why premiums are the same for Europe and Syria. I feel I'm lucky.