Travel is already costly enough, is not it? The price of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I do not know about you, but I function tough for my revenue, and when I travel, I want to retain as substantially of my revenue in MY pocket as possible. Is travel insurance a necessity or maybe a luxury? Why not reduce several corners here and there. Why buy a thing if it is not really required?