Assist is not useless if you have a cell phone. They have a cool concierge service. They will find hotels, restaurants, gifts etc. One time, when I was in Fresno for a funeral, we needed a place to stay. I called the 800 number & asked that they find me a place. They called back in 10 minutes with a reservation for me. Pretty cool. Granted, it is a fairly expensive concierge service.
One thing I WILL say is, if you're ever in an accident and you either don't have a cell phone, no reception, no battery, don't know where the heck you are or unconscious, Assist will come get you & dispatch emergency vehicles to you. Worth $250/year? I'd say so. Even more so since my 17 year old is starting to drive. Granted, she RARELY drives my car, (Beep beep mm beep beep yeah!), but, the peace of mind of that "IF" situation is wonderful.
Johnny