I travel a lot. Never purchased travel insurance. My personal health insurance covers me almost anywhere. If something happened to me I would just stay wherever that might be and recuperate.
If flights, cruises or hotels are cancelled by the entity I would receive a refund or credit.
Personally, I've never had anything cancelled where I didn't receive a credit or refund.
In my entire life, I've only used a purchased warranty/insurance add-on once, and that was for a homeowners warranty insurance, when the thermostat to the furnace malfunction. That's it.
So, no I've never paid for travel insurance, and have no reason to start
