i bought it and thought i got suckered. took my car down from ny to tennessee and guess what, i had a nail stuck in my tire with 2500 miles. and just like my dealer said, i went to any dealer in the US and they fixed it no questions. even gave me a loaner for an hour.
since then, i haven't had any issues. who knows though, in the next 2 and 1/2 years i might be thanking myself for getting the insurance, or maybe not. that's why it's called INSURANCE. i'm paying $37 more per month but it gives me a peace of mind. so whether it's worth it or not, it's up to you cause like someone said, YMMV.