When traveling abroad, we always purchase travel insurance and have used it twice. Once we had tickets to China but I became very ill. Luckily we had travel insurance so we were able to get our money back from the plane tickets. Another time Wade has his backpack stolen with his passport and our new GoPro.
Because we have had to use travel insurance and it has paid off for us we don't go on a trip without it. World Nomads is our favorite so we became an affiliate with them. Which means if you purchase travel insurance through our site (at no extra cost to you of course) we earn a small commission so thank you!