"Travel insurance" is a very broad term and covers many things (or not).
You should consider whether you have coverage for:
1. Medical expenses overseas (you can expect to be asked to pay the full amount up front)
2. Emergency repatriation, e.g. medevac.
3. Third-person, e.g. your travel companion.
4. Post-hospitalization, e.g., who pays for the hotel and food if you are overseas and can't fly home for 30 days.
People often focus on the smaller items, but those are likely to be the least of your problems, e.g. hotel room, lost luggage. Not that you should not consider them, but they are not the starting point.
Before you say that your CC provides "travel insurance" it pays to read the certificate (not the marketing brochure). You will likely be quite shocked at your exposure.