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We rented from an owner Week 1, 2014. We filled out the "Owner Loan" information and did not have to purchase the AI option. We enjoy going into Playa del Carmen several times during our stay to eat at a variety of restaurants. I prefer not to pay the additional fee per day when a number of our meals are not eaten there. We also are not big drinkers or eaters so we have never chosen a resort with the AI because it just isn't as economical for us.