Travel Insurance 2026: Do You Really Need It?

After claiming travel insurance 3 times, here\’s my honest take.

My Insurance Claims

Claim #1: Lost Luggage (€2,500)

Airline lost my bag for 5 days. Insurance covered everything.

Claim #2: Medical Emergency (€8,900)

Broken leg in Italy. Insurance covered hospital, surgery, evacuation.

Claim #3: Trip Cancellation (€3,200)

Family emergency. Insurance covered flights and hotels.