Let me just say it: travel insurance isn't a scam, but it's not always the safety net the checkout page wants you to believe it is . After years of booking trips for clients from my Omaha-based travel agency, I've seen insurance save the day: and I've also watched people throw money at policies that never paid off. The truth sits somewhere in the messy middle, and whether you need it depends entirely on your trip, your health, and what you're actually trying to protect. So le