I owned a travel agency for a while and we regularly offered Covermore. I wouldn't travel on a credit-card insurance alone as there is a lot of difficult-to-understand fine print with plenty of exclusions (like you have to have paid for all your travel on the credit card). Having had a major, unexpected property loss some years back and been badly under-insured, I always go for the max on my insurances these days, and when you consider you might pay a few hundred for travel insurance on a holiday worth $5000 - $20,000, that extra few hundred dollars is nothing.
