I never leave home without travel insurance - not even to drive two hours down the road to cross the border - and I don't think you should, either.
Just yesterday, I read about a traveler who had a sudden case of appendicitis
while traveling, and another who had a heart attack. It was a good reminder that it's not just trip-specific accidents that you are covering yourself for (tripping on cobblestones and breaking a bone, falling down cruise ship stairs and hitting your head) but unexpected illnesses that could just as easily strike you at home or away. And nobody needs a $20,000+ surprise like that!
Travel insurance is not a one-size-fits-all product so we don't recommend just one company. Instead, Janice has written a comprehensive guide to the important elements of travel insurance policies for solo travelers - from emergency medical to trip cancellation, interuption or delay to baggage loss or
damage to companion coverage and more - so you can pick the one that fits you best.