You don’t have to be a Costco member to buy this insurance. It is available at a higher price. All you need to buy this insurance is one component of your vacation booked with Costco. We booked rental cars. That said, I have concerns and cancelled this morning until I can decide. There is a 21 day window to cancel. The agent was very nice and is processing my refund. We aren’t going until next March so I have time.
I agree however, no one wants to pay out claims.