Always worth travel insurance. My Mum was going to Sydney this Friday for a week to visit my brother, and his wife and son. Didn't bother with travel insurance as she has various medical conditions and thought anything to do with them wouldn't be covered anyway as it was all pre-existing, and if there was some emergency she can get medical care there as an NZ citizen. Sunday afternoon she managed to fall over and break her leg and is spending a few days in hospital so it's now all canceled. An accident like this (not a pre-existing condition) would likely have been covered. It's only the (premium economy) flights she's lost as was staying with my brother and didn't have tours or any big things booked. Not life changing money like other non-insurance stories but still annoying to lose and avoidable.