It's often difficult to know what to do about travel insurance. Do you really need to bother? And if you do decide to get cover, what's the best policy?
When I'm going somewhere safe and familiar, I've often been tempted not to get insurance. But in the end I always have. The deciding issue is not whether my belongings might be stolen, but what might happen if I get sick or have an accident.
If you get hit by a truck or struck down by a nasty bug in a foreign land, you need to know that you've got access to good treatment and that you'll be able to get home as soon as it's sensible to travel.
If you have travel insurance with a reputable company, they not only pay for treatment but, more importantly, offer advice on where to go and, when necessary, make the arrangements.
To date - touch wood - I've never needed to use those services, but it's nice to know they're there. And I've certainly heard enough stories from travellers who haven't been so lucky to convince me that the premiums are worth paying.