Originally Posted by
Often1
The only time it's worth paying for a standalone policy is if you aren't prepared to accept the risk of the occasional overnight in IRROPS. It doesn't happen that often and I'm prepared to accept that risk. Others might not.
Agreed. Trip insurance is rarely worth the added cost when you really do the math if you travel with any frequency. In 15 years i've had maybe 3 IROPS situations that cost money out of my pocket out of literally hundreds of trips. Insuring each of these trips would have cost at least 10 times more then then those 3 times i was out of pocket. They wouldn't offer trip insurance if the net payout on the polices was more then they were taking in for the cost of them.