Way back in the olden days of like 15 years ago, hubby and I never got travel insurance. Then, I heard the horror stories. Now we always get “cancel for any reason + medical”. True story- the night before my mom and I were to embark on her first cruise, she had horrible back pain, massive anxiety, and mentioned we might need to cancel. Since we had “cancel for any reason”, I didn’t have to stress about any money loss, and assured her that it would be ok and we could just go later. Thankfully, she felt better after some medication and rest, and we had a great trip 🙂