cayebye I think if you offer advice , on travel ins.it should not be based not on your travels ,life style.if you where lucky and had no problems great.. but in real world of travel where shit does happen... it is a prudent investment.. I have seen hundreds of situations that travels ins ,has been a godsend ,and helped people from emergency evacuation ,to giving them a full refund on all there money for a canceld trip .and while you did rescind your statment about people being fools .some who folks would debate that as they say only a fool would not take travel ins???? two schools of thought..about who is a fool..I only speak from experience as I see the travel world today with more travel restrictions and airlines acting like jerks and tour companies selling last minute bargargins and having a no refund policy for last minute canacellations . different strokes for different folks,better safe than sorry..

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