It's my understanding, perhaps mistaken, that the Chase United Club credit card provides the holder with various insurance coverages.

For example, if I buy my ticket on UA with the card, get sick, and can't travel, I think the card will reimburse me for the ticket or change fees. Is that correct? If so, has anyone successfully made such a claim? If so, how does one do such a thing exactly?

Separately, how would it work in the case of a cancelled flight (mech) which necessitates the need for a hotel room or ticket on another carrier?

Separately, how would it work in the case of an accident in a rental car?