This is the million-dollar question — and ultimately a personal decision. I’ve met plenty of people who travel without travel insurance and I’ve contemplated doing the same.
But after over 6 years of constant travel, hearing horror stories from other travelers, and getting into a few dangerous predicaments myself — if someone asks for my opinion on the subject I answer with:
YES. Everyone should carry some kind of health/property insurance when traveling.
Why? Because shit happens. Whether you think it will or not. Despite your best-laid plans and preventative measures. Sure, if you sprain your ankle, it might not be a big deal.
But what if your appendix bursts? Or your bus crashes? Or you contract a deadly disease? Or require medical evacuation after breaking your leg?
These things definitely happen to travelers from time to time, and could cost you tens (or hundreds) of thousands of dollars. Without insurance, you’re screwed!
My recommendation is based on listening to countless first-hand tales of disaster from other travelers, as well as my own personal experiences.
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