Travel insurance was a rip-off pre-pandemic, and has proven even more so. Too many people think it's a reimbursement plan if you are inconvenienced. The most commonly used benefit is "cancel for any reason" to where you get 50-75% back, and often only certain buckets of charges. Considering the cost of premiums, and how often the average person needs to actually use such a thing, you are better off to self-insure.
The only area I see value in is medical coverage or perhaps a really high-risk trip. Especially if you have a high-risk condition that is covered. Medical issues could bankrupt you. Cancelling an already paid for flight will not. There are some plans out there for medical and evac that could make sense. Even then, you're bound by all kinds of loopholes.
I'll let my travel credit card protections run their course, apply reasonable precautions, and suck up the rest.