Yes, I have bought and unfortunately had to put it to the test a few winters ago. It was worth every penny.

You get a dedicated telephone no. to call and it was picked up by a real person within 3 rings.

One stop - the agent rebooked my flight (offered an option to fly Westjet if I wanted) and booked my overnight hotel. As for meal and transportation, they were on a fixed rate basis, i.e., $X for taxi and $Y for meals.

Here's the catch - OMW credited the appropriate amount (hotel + transporation + meals) to the credit card used to pay for the ticket and insurance. So your daughter must have cash or credit card to pay for the expenses as well as a mobile phone to call the toll free no. There is no voucher, etc. to the hotel. You just pay for it yourself and get reimbursed through the credit card.

In my case, I returned to the airport the next morning on the free hotel shuttle and pocketed the taxi fare!

No need to queue to see an AC agent, it's all done over the phone!

For winter travel, yes, I'd recommend it.