I have emergency roadside through State Farm, but I will have to call and ask what the cap is on it. I've had to use the passenger car equivalent before for my truck and it was great.
My only complaint about State Farm is that you pay up front (hello credit card) and then turn in a receipt for reimbursement. They've always cut me a check right away, but it is one more thing to do. The advantage? I don't have to sit and wait for or try and find a AAA approved tow company that can handle a MDT.
Prices for a tow on these things often ranges in the area of $250 hook up and $2.50 per mile ROUNDTRIP so I can't see NOT having insurance.