Over 5 years, I spent $59 for the flat tire, and $60 for the Scorpion. So far I am up three years of annual fees (assume roughly $50/year). I called just now to see if I could get more specifics on the coverage, but the benefits department couldn't help me with actual numbers, beyond saying that there would be a discount off regular prices because we are Citibank members. But all the standard stuff is covered: lockouts, batteries/jumps, 2 gallon gas delivery, tows.
Why am I willing to roll the dice? I got annoyed with AAA a few years ago because I had been a member for 20 years with hardly a claim, was in their highest level coverage, and then when my car broke down 30 miles from home but across state lines, no free tow! I decided I'm willing to deal with the out of pocket cost of the occasional event, as long as I have a 24 hour line to call and the costs seem reasonable.