To determine if travel insurance is worth purchasing, evaluate the total non-refundable financial investment of your trip against your risk tolerance and destination healthcare costs. If you are booking expensive international flights, prepaid multi-destination tours, or cruises, travel insurance is usually worth it to protect against sudden trip cancellations, medical emergencies abroad, and lost luggage. Conversely, for inexpensive domestic weekend getaways with flexible cancellation terms, the upfront cost may outweigh the potential benefits.
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