Has anybody selected YES and paid for the “Highly Recommended: Protection for your trip” AND actually was able to use the benefit with ease ?

Would it actually be useful for my business trips to and from the midwest (Chicago and Milwaukee) during winter months) and if i cancel a flight could this fee also be put into my wallet for future use?

What does “100% reimbursement for trip cancellation or interruption” mean. I would already get 100% of my ticket price back for either circumstance if the flight doesn’t occur