Most people - especially those of us who are younger - don't think about travel insurance much. Personally, when I travel domestically, I assume other layers of protection will cover me including car insurance, health insurance, and credit card protection. However, for larger trips such as going on a cruise during the winter while living in Chicago I chose to get travel insurance. In those situations, my primary consideration was having inclement weather causing delays and missing the boat or that a hurricane might impact the cruise itself. With our trip next week where we'll be sailing with Viking Cruises the situation was a bit different. The chance of a blizzard in San Diego or a hurricane in Switzerland causing us not to reach our boat would be pretty unlikely. I WAS going to roll the odds since I perceived the risk to be low. After all, spending a few hundred dollars to insure the trip didn't seemnecessary.