My experience is it won't save you any vacation time, so please don't waste your money on unnecessary coverage. Our claim required 3 pieces of information that were only available at the end of the trip, or after arriving home. We needed the final rental agreement, that was provided on the rental return at the end of the trip. Also needed the invoice/estimate for repairs, which followed a few days later. And, we needed to provide the credit card statement showing the rental charge.

No way we could have processed the paperwork prior to departure.