The subject line says Platinum insurance is worth it. I'm sorry, but if they don't actually cover the terms they advertise to, then no, it is not. We had an airline who was able to fly our bags to the port city on time, but unable to fly the actual human beings. That is supposed to be a covered claim. Aon didn't want to cover it. Skipping over the consumer lawyer consultations, multiple complaints to the feds, 30 emails to Princess and United, and escalating it all the way to the top, we got cruise credit for it.
I could care less about getting the sympathy. Don't advertise the travel insurance is this one wonderful thing, and then when you actually need the insurance do something else.