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Posted By: Red

The maximum of insurance coverage with Registered Mail is $25,000.00. If you declare a value of $50,000 the additional fee is for the PO's increased charge to handle such a package, not insurance.
http://pe.usps.gov/text/dmm300/503.htm#wp1100045
So if you ship a $15,000,001 card the Registered Mail fee is $16,511.25, plus another few dollars for the actual postage, or a single stamp will do if you're a White Envelope Shipper. You get $25,000 of insurance coverage with the PO and the balance you'd have to insure through your own insurance provider.