hi there,
Before you purchase travel insurance, check whether you're not covered under any of your other insurance policies.
Most
tour operators won't mention this, but most home and life insurance policies already cover a certain level of travel insurance.
Also, you may find that your current health insurance policy covers you for certain overseas medical expenses.
No matter what you do, I would encourage you to purchase
travel insurance as you'll be covered in the event of an accident, baggage loss, etc.
Hope this helps
Vacationbuddy