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If you've spent any time in digital nomad forums, you've heard the same debate play out a hundred times: "Is travel insurance worth it?" The usual answers focus on medical emergencies and trip cancellations. And yes, those matter

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Ask most travelers whether they have travel insurance and they'll say yes

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Last year was not my best year for staying out of trouble. In twelve months, I filed three separate travel insurance claims across three different countries. A motorbike accident in Bali. A hospitalization in Colombia

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I used to be the person who skipped travel insurance. Every time I booked a flight, I'd see that little checkbox — add travel protection for $45 — and dismiss it without a second thought. I'd been traveling for years