According to a number of published sources, including the one WMTire mentioned, it is Affinity Group that has been put on Moody's Likely-To-Fail list. Affinity Group owns a whole lot of RV-oriented companies, including Camping World and Good Sam.
http://rvtravel.com/affinity-moodys.shtml
It was not clear to me whether "failure" in this case meant Chapter 7 or Chapter 11. It was also not clear whether Affinity Group as a whole would undergo a single fate, or if the individual companies within Affinity Group would be treated individually. As you probably know, Chapter 7 means that the company disappears and its assets are sold off. Chapter 11 means that the company stays in business and is protected from its creditors while it re-organizes itself into a form that might allow it to survive. A company that emerges from Chapter 11 will probably be a whole lot different from the company that entered.
My opinion is that it would be prudent to use that gift certificate. And although I've already paid for my Good Sam membership for the year, I won't sign up for any of the Good Sam insurance programs until this whole thing is straightened out.
Those with memberships in Coast-to-Coast Resorts (also Affinity Group) might also want to pay attention to developments.
And finally, remember that this is the
potential for problems in the next year, not actuality. It hasn't happened, and it might not happen. But the risk is rising.
Just my opinion.
Bill