Yes, travel insurance is worth having for a trip to Jordan, Montana, and the honest reason is remoteness rather than any unusual danger. Jordan is the seat of Garfield County in eastern Montana, one of the most sparsely populated parts of the country, and it sits a genuine distance from the nearest full hospital care - a fact that matters more here than almost anywhere else in this guide. Cell phone coverage across this stretch of Montana is inconsistent at best, which adds to the case for a policy that assumes real isolation rather than routine backup from a quick call for help.
Local medical services in Jordan are limited to what a small rural town can support, and anything beyond routine care typically means transport to Billings, the real regional hospital hub for eastern Montana, well over a hundred miles away by road. Confirm your policy covers medical transport or air ambulance service, since that transfer, not care within Jordan itself, is the part most likely to involve real distance and cost.
Most visitors here are drawn by the surrounding badlands and ranch country, including access toward the Charles M. Russell National Wildlife Refuge, and long stretches of open highway with little services in between are the norm rather than the exception. Winter is the honest seasonal risk: heavy snow and sudden blizzard conditions can close roads and strand travelers for hours, sometimes longer, so confirm your policy covers weather-related trip delay and, ideally, roadside or vehicle recovery assistance.
Keep any clinic paperwork, road-condition or closure notices, and receipts for towing or unplanned accommodation if winter weather disrupts your plans. Many policies treat weather-related road closures as a standard delay claim, so check how yours defines one and what documentation it requires before you assume automatic reimbursement for time lost to a Montana blizzard.