Unless something happens to you, it is easy to take travel insurance for granted. For budget travelers, it’s looks like an unnecessary add-on. Right? I had been sick overseas and would have been easier if I had confined myself in a hospital. I also have a baggage item damaged on a flight. Even got some flight delays too. If I had travel insurance at those times, I could cover my hospital expense, claim for baggage damage and even get some meal allowance for delayed flights. Simple inconveniences like that are covered in travel insurance like FPG Travel Insurance.