In short, yes, travel insurance is worth it. We all know the critics out there, and the confident travelers who believe they are so invincible that they don’t need travel insurance. While it is a personal decision (security won’t kick you off the plane if you don’t have it), buying travel insurance is smart and safe not only for your health but also for your wallet. Traveling internationally without a travel insurance plan is definitely not the same as opting-out of the insurance for the $300 iPad you just bought. The mentality of “it won’t happen to me” is not one you want to have when deciding on whether or not to purchase travel insurance.