Here are some simple example shows us why...
1) Accident happens every where anytime.... it is very costly to travel 'back' when you are in trouble. Medical evacuation costs a bomb.
2) You have paid for the trip but something happens.... sorry, no refund.
3) Flight delayed.....
4) Luggage lost/misplaced....
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R1 denotes Region 1
R2 denotes Region 2
R3 denotes Region 3