<prompt> Human: Link.The tl;dr is that for the cost of 99c per 100 I spend on my Visa, I get insurance that will cover my minimum paymets 20 months in the case of involuntary unemployment.If I die, become disabled, dismembered, or critically ill cancer, heart attack, or stroke the CC gets paid off fully up to 25k. Ill never ever have anywhere near 25k on my CC at any one time.I use my CC for my everyday purchases, and pay it off every month so I dont get charged for interest. Im poor, but responsible with my CC. Might as well squeeze every pointbenefit from my money. As a student my card has no annual fee.Im not sure if its a good idea to opt into this or not. On the one hand, its better to be safe than sorry. On the other hand itll cost me since I use the card for my groceries, bills, and other regular spending.Opinions?  <response>: Terrible. You shouldnt be putting anything on your credit card you cant pay off with cash at any given moment anyway. Insurance is to cover events you cant afford, otherwise its a waste of money and you can save money by self-insuring paying what you would in premiums into a savings account that youll tap in the unlikely case the event youre insuring against happens. You should be able to afford paying off your credit card at any time, even if you become unemployed.Insure yourself by having an emergency fund. 