I used to never purchase travel insurance for my own personal travel. To me it seemed like an extra, unnecessary cost that covered who knows what— but whatever it covered was more than likely not going to happen to me and so I would rather save my money. But now that I plan travel on a daily basis, I have vastly changed my tune. For starters, good travel insurance actually covers so many things that happen quite frequently! And because I have a front row seat to a lot of people’s travel misfortunes, I see how often it is needed.