MSPeconomist

Never. My employer gives me worldwide medical coverage and medical evacuation. I pick refundable hotel rates and never do tour groups or other packages, so I don't prepay anything other than business conference registration fees, which my employer covers. If I were to take an expensive (Antartica?) cruise, I'd want travel insurance, as well as insurance when a country requires some specific policy. I'd possibly consider a COVID-19 policy, although the rates I've seen make me want to self insure instead unless I would need the evacuation back to the USA when not medically necessary--i.e., to avoid a quarantine abroad after a positive test when asymptomatic or experiencing only mild symptoms (fully vaccinated).