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We highly recommend travel insurance. From our own experience with World Nomads we can tell you that it is well worth the small addition to the cost of your trip if anything should happen before or during your trip. Laura and I planned a 16 day trip to Europe. We had pre-paid for the best deals for our Accommodations, Airfare, River Cuise Tour, High Speed Trains and Special Excursions. I became ill right before the trip. World Nomads reimbursed us for the entire trip. We could not have been more pleased! We will never travel without travel insurance.
You can buy and claim online, even after you've left home. Travel insurance from WorldNomads.com is available to people from 140 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.