You started a vaguely similar thread last April

Amex trip 'insurance' vs Delta Trip Protection when booking online

Here's another one from further back:

Protect your trip on Delta

new since April is that most(?) of the high annual fee AMEX cards now have some form of trip insurance/cancellation protection:

https://www.flyertalk.com/forum/amer...ect-cards.html

although it is not as good as the CSR coverages.

Bottom line, you have to look at what if anything your personal health plan covers when traveling and what features your credit card provides, what the exclusions are, and then decide if you want to pay for extra coverage, which sometimes might not be any simpler (e.g. the Allianz plans I've looked at recently provide primary coverage for medical costs but you still have to pay yourself and then get reimbursed afterward, which is the same process as through my employer health plan, so it doesn't really help much in the end) and then decide what your personal risk tolerance is, etc.

This also isn't really DL related other than they resell stuff through their web site but you could just as well get a quote directly from Allianz or some other agency.