We always get the travel insurance. There are many benefits for having it, just wouldn't risk all that money when there are things that can go wrong. Another plus for having the insurance is if you should get sick and or injured and need to be air lifted, our regular insurance does not cover something like that and it could run into the thousands, the travel insurance will cover that. There is also missed/delayed flights, missing luggage, etc. Just a wise choice to have the insurance.