Have you ever purchased trip insurance for a trip, and if so, can you give me any tips?

I am planning to go on a trip to Alaska this summer with a group. The trip is being organized by a national automobile organization, and it’s close to 6k, which includes flights, hotels, some meals, ground transportation, and a bunch of admissions to things like boat rides, train tours, museums, etc.

The trip insurance is about 350 each, which, I have researched to get a ballpark figure and that price is not out of the ballpark. However, I can’t compare it to anything without knowing what, exactly it covers. I emailed the trip planner from the automobile association and she sent me a link to search the insurance site but it’s not specific to the insurance plan. She emailed me and told me what it includes (emergency medical, travel delay, baggage protection) and if you need to cancel for any reason up to the day before the trip.

The last time I went on a tour, it was over 20 years ago and the cost was $25 per person at the time, so I didn’t even research it, I just went for it.

I don’t distrust the person making the trip plans, since it’s backed by the auto association and it’s in conjunction with a local group, but I like to research things before I agree to paying 700 dollars for two of us.

Have you ever purchased trip insurance and if so, do you have any tips for me?