I do not have experience using the plan, but after doing a lot of research on these boards and others, the plan is not worth it for kids. I originally booked my package with the silver plan, but finally ended up dropping it. My kids are 8 & 11 so that was a factor in my decision. I didn't want to have to worry that I was getting my money's worth the whole time.
I think if I was going with all adults, the plan would be worth it. I know a lot of people posted that they enjoyed the plan because the meals were already taken care of. Note, though, that some of the more expensive things require 2 wishes!