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Travelex Insurance

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I have a question....I'm going to Hawaii in February. The only reason that I'm really thinking about getting insurance is because I live in Iowa and I have a lay over in MN. If you know anything about IA or MN, there is always the chance of snow which could delay the trip. The Travelex insurance does cover for Trip delay(if the trip is delayed by 5hrs) and Missed connections(if you miss your connection by 3hrs). I notice that they put all of these little stipulations in there that I'm wondering if it's really even worth purchasing the insurance. Any help would be much appreciated. Thanks

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