is trip cancellation insurance on a credit card really worth it?

My credit card wants to charge me 99$ a year to have trip cancellation insurance. We're planning a trip in 4 months and there is always a chance that something might happen and we wont' be able to go. But if this was the case, is it that easy for your credit card to just reimburse you like that? If I bought friends airline tickets on my credit card and my friends got sick and couldn't travel, would I still get reimbursed if I had trip cancellation insurance?

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How much is travel insurance if I want to travel to and from Ireland this summer?

This summer I want to enroll in a program where you travel to Ireland and work for the summer. The program requires travel insurance. do you know how much it is?

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