The front and back cover cardboards are sealed in place. At your own risk, it would be possible to cut a slot in the vinyl on the inside of the front and back covers and insert a photo, perhaps even letting the original cardboard remain in place to give the covers some extra stiffness.
I have lots of these albums, and they make a handy gift. We use them at home, and great-garndma has a few to keep her ever-increasing collection in some compact order. (They are inexpensive enough to give away)
Thank you! I'm still debating whether or not to slit the vinyl on the front to add my own picture. I want to use them as recipe books, so a "photo album" cover just won't do! Thanks again for answering my question!