I didn't need it. I hoped it would have worked if I did need it. My husband was in an accident less than 48 hours before we were to leave for our trip. His car was declared a complete total job. He got a bit banged up and was extremely sore the first 24 hours but fortunately felt better the next day so we went! I tried to find as much coverage as I could get for the price. That is important because none of us plan on canceling a trip when we buy coverage. I buy it because I have aging parents though, ironically, it could have been my husband's accident that might have made the insurance necessary. In other words, buy something. You never know if you will need it.
Susan B. would
recommend this plan to a friend or relative.