I've used it in the past and bought it online. Two stories showing value and both involve medical evacuation by local families. One kid, a Doctor's son, went to New Guinea without trip insurance. He had to be medically evacuated back to the US at great expense. The family had to take out a second mortgage on the home to cover the huge costs.
Another couple went on an Alaskan cruise. Husband raised hell that wife spent $75 on trip insurance. He had heart issues in a remote area and had to be medically evacuated in two stages by chartered aircraft. First flight was to hospital in Canada. Second flight was back home to Georgia. Trip insurance picked up the tab.
