It seems like people are conflating several different types of insurance coverage.
Some plans will drive your vehicles home if your family doesn't have a skilled driver remaining; others will not. Some will provide air fare &/or hotel coverage for family members to be at bedside, if appropriate.
Some will cover air ambulance costs to take you from the accident scene to the closest hospital or clinic; some will cover it to the closest trauma center; and some will cover it all the way to your local trauma center or rehab facility near your home.
It's all a matter of reading the policy terms VERY CAREFULLY before signing on the bottom line -- long before you need to use it!