Anything can happen is a popular saying when it comes to travel, hopefully the only things that happen are good ones. Sadly some people may get into some stick situations and this is where insurance comes in. Travel insurance is extremely useful if you travel often or far away and get injured, as long as you didn't intentionally put yourself at risk (ie wrestling a polar bear) then your travel insurance should pay for everything, also some countries (ie Cuba) won't let you in if they find out that you don't have some form of insurance incase of injury. If your someone who often gets hurt then you should probably get insurance. If your a healthy person under 60, I've seen rates as low as 6% of your vacation price. If though on the other hand you've never hurt yourself and you plan to play it safe then you might not need it though it is still recommended.
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