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I'd be happy to help and can give a rural perspective. Travelling 1000 k round trips to see a breast surgeon and 600k round trip for gated blood pool scan. Iptaas wouldn't cover a flight when my husband couldn't come on one trip and I was incapable of handling that trip on my own. I had to withdraw against my life insurance as we couldn't even get a carers allowance for my husband or sickness benefits and my son couldn't get unemployment when he lost his job (and living 300k away) even though I wasn't working...but they base the assessment on previous 2 years.
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