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ALSA missed connection insurance

Camino wristwatch
Perfect memento/gift in a presentation box. Back is blank for engraving.
No. What does it provide ?
Does it give your money back if you miss the connection ? Pay for a taxi ?
 
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ARAG will reimburse, up to a maximum limit of € 300, the costs of a new ticket, in cases a public transport connection is missed due to the delay of an ALSA bus.

In order for this coverage to be applicable, there must be a difference between the Alsa bus expected arrival time and the departure time of the connecting transport of more than three hours. The hotel and maintenance expenses incurred during the wait for this connection will also be covered, for a total amount of up to € 100.

For the processing of this claim, the Insured Party must present supporting documents issued by the Owning Body of the means of transport certifying the delay, as well as the original invoices of the expenses incurred.

This compensation will be paid provided it has not already been covered by the Transport Company.

Expenses incurred in a location other than where the Insured Party must wait for the new connection are not covered by this policy.

Cancellations for transportations departures will not be covered by this policy, i.e. not travelling in the planned mode of transport in which at least one seat was reserved.
 
From the ALSA site:
Get complete peace of mind if you're travelling to the airport with Alsa. If there's any incident or delay, ARAG insurance will cover your missed connection. POLICY NO. 55-1454276 POLICYHOLDER: Alsa S.L.U TRAVEL ASSISTANCE In the event of transport delays, ARAG will cover the transport costs incurred by the INSURED PARTY as a result of missed connections by land, sea or air up to a limit of '1,000, provided that the following conditions are met: * The delay is attributable to Alsa. * In the event of a missed land, sea or air connection, the delay with respect to the scheduled arrival time must be at least 1.5 hours. See insurance conditions

So my understanding is that the bus needs to arrive 1.5 hours late in order for the claim to be covered. Anything less than that won’t be considered late. If that’s the case, then I think it’s probably not worth it.

Thanks everyone for your insight!
 
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