We are both 66 and up until we were 60, never traveled with insurance. We had a scare twice when traveling without insurance. In 2006 my wife was rushed to a hospital in France. The other time, a storm in Dallas damaged most of AA’s planes the day we were to fly and flights were canceled. We got a flight out the day of the cruise and arrived at the terminal in FLL just minutes before the cut off.
On our last cruise on Seabourn TA Cruise I came down with severe Bronchitis and the ships doctor bill came to $759. I hadn’t made my deductible with UHC, but my travel insurance covered it all.