I was 800 miles from home last year. I'd just set up camp, and had a serious heart arrhythmia. I'd lost consciousness and was evacuated by ambulance to the hospital. My DW is afraid to drive the TV and FW, even though I've encouraged her many times to try.
In this case, we were very fortunate that our son was near, and could move the RV while I was recuperating. If we'd been across the country or in Alaska, it might have been quite an ordeal. I got back on my feet, and decided to purchase the policy from GS in case this happens again.
I think you need to weigh your own health situation and determine if there could be somebody there to help you out if things got out of hand.