do you need travel insurance

Travel insurance is not mandatory, but it is highly recommended for international travel, expensive trips, or if you want protection against significant financial loss from unexpected disruptions.

When it is recommended. It is often worth it for international travel, trips with high nonrefundable costs, or if you have health conditions that might require expensive medical care or evacuation.
When you might skip it. You may not need it for inexpensive domestic trips, if your existing health or credit card insurance already provides sufficient coverage, or if you can easily afford the potential financial loss.
Check existing coverage first. Check your existing credit card, homeowners, or health insurance policies first, as they may already offer some travel-related protections.
Timing your purchase. If you choose to buy, purchase it shortly after your first trip deposit to unlock the best benefits, such as waivers for pre-existing conditions.