Wow! Sorry about your MIL and cancelled plans, but that's great to hear about the coverage, especially since I have the same. One reason I buy supplemental coverage is my perception that getting reimbursed through coverage provided by a credit card can be more difficult.As I posted earlier, I have the United Club Infinity card. I picked that one over the Saphire as I am a lifetime Gold member having over a Million miles. I always fly united. My mother-in-law went into Hospice and we cancled a big family cruise to Alaska. They fully refunded me $2250 for 9 non-refundable Cruise deposits. It took 8 days from the time I filed a claim to be approved.
It also has $150K evac coverage.
This makes me feel I made the right choice getting this card. If I go outside the US, I will look at Medical coverage which is less than $100 a year or less for a trip. I would compare this with where my Anthem medical insurance has international coverage, which is most everywhere in Europe I want to go or in the future when I have Medicare with extra evac insurance along with medical
For things like medical care, weather delays, or rental car coverage, the supplemental policy is always primary, so there isn't a need to submit claims to other insurers, airlines, etc. first.