I would NEVER leave home without one
I've always considered myself slightly over insured, the last year iv'e used my private medical insurence for injuries sustained while training for last years camino, my household insurance because my apartment was broken into while I was in new york, my car insurance because some chick decided to total my car, my insurance for accidents because i was diagnosed with wiplash after...
I really hope not to use my travel insurance also (I have full yearly worldwide coverage) but have previously used it for falling ill in the airport in singapore (they wouldn't let me on the plane before i had seen the doctor) and when my suitcases were stolen in london...
I have quite a few more, unemployment, electronics etc, and even when paying a fortune every year I think by now i have my money back...
I always buy everything related to travelling on my mastercard as this way I am covered if the airline goes bankrupt (common occurance) etc (the only reason i have a credit card really...)
I think you get the point, Insurance, don't leave home without one
for more on the medical part look here
medical-issues-on-the-pilgrimage/
just for the record I'm not
really neurotic... :roll: