You are not alone. Many wonder if its really necessary to even get one. If you ask us at travel consultants, we would strongly say YES. You need to insure for the unforeseen circumstances. You may loose your pass or by back luck, your luggage may be swapt due to resemblance and its put into another flight. You need to eat, reserve an accommodation, make that phone call and lots of other things that can just go wrong. with a travel insurance, all these care catered for. Call us and inquire the category of a travel insurance you want to apply for.