Travel insurance is always recommended because you never know when you might need it. You may have to cancel your trip at the last minute, leave halfway through due to an emergency or have your luggage damaged. You could end up having to visit a doctor or even needing to go to the hospital, both of which can be extremely expensive when travelling. There are unforeseen circumstances that are good to keep in mind when travelling and the cost this might involve.
Depending on the policy, insurance may cover some of the costs, so you don’t have to worry about replacing stolen goods, booking an emergency flight home, or visiting a doctor. This is why it is important to check your policy and what is covered as each insurance policy is different.
Travel insurance is always better to have and not need, rather than discovering that you need it and don’t have it.