There are a couple of points I want to make about recognizing what comes with a package. First, game packages may include only Star Citizen, only Squadron 42, or both games. Look at the package's contents for "Star Citizen Digital Download" and/or "Squadron 42 Digital Download." I will show you an easy way to add Squadron 42 to a Star Citizen-only package during the checkout process.
The second point of interest concerns ship insurance (also found in the package's contents). Ship insurance covers the ship's hull and factory stock equipment in the event of complete loss. As a part of promotional offers, ships are sometimes sold with lifetime insurance (commonly referred to as LTI), but there are tricks to get LTI on almost any ship and many people will advise you to take advantage of them (often at a cost of $20-$35 USD). To properly assess of the "value" of lifetime insurance, you should know a few things:
Ship insurance premiums will be, by design an incidental cost. They are paid using in-game currency at the beginning of each coverage period.
Ship insurance, and therefore LTI, will not cover upgraded components you've swapped for the stock components, nor will it cover cargo. These require separate policies.
Ships are built by in-game corporations and, like automobile manufacturers, they will come out with new models of existing vehicles. The model year 2943 Origin Jumpworks 300i with lifetime insurance I have with my pledge package may be superseded by a 2945 model, and a 2947 model after that.
In-game items will be subject to wear and tear. Wear and tear can be mitigated, but not eliminated, through maintenance. In the distant future my 300i will have become a rust bucket prone to breaking down. Because insurance replaces the lost ship with a ship in equivalent condition, my lifetime insurance will do nothing for me but replace one rust bucket with another.
