Travel Assist Insurance: Which Provider? Or Not Needed?

[Bluebirds]

When we purchased 1st and 2nd RVs, MH dealers offered 1 yr "free" Travel Assist insurance plan, by the associated provider to that franchise dealers, with each purchase. ( FYI- 2013 was only our 2nd year in a RV, but looking forward to many more.)

It is time to decide IF we need / want this, and WHICH provider plan to choose if we purchase again.

We are interested in hearing from those who have more years RVing, and or full-timing experience:
- Do you have travel assist insurance,
- What experience have you had if a "claim" situation arose for you, and
- Does which provider make a difference - or are all basically offering the same services?

Thanks for any advice and info as we consider merits.