Before joining TTOL I used Squaremouth to compare and purchase trip insurance. But have used IMT since becoming aware of it on this board. I am with Carol, I want medivac coverage to the USA and the rest is just fluff. I filter to cancel for any reason just because, you never know, and almost had a claim in May of 2020 for a trip to St Lucia. But American ended up canceling the flight so I got a cash refund so disaster scenario averted!

Now I have a trip to Maui booked for October and I think that one will get canceled or severely curtailed to the point we will need to find a new destination, so I am happy that United has no fee for changes.