Travel insurance is not one-size-fits-all because vacations are not one-size-fits-all.
A Caribbean cruise, an African safari, a destination wedding, a European river cruise, or a family vacation to Alaska all involve different investments, schedules, and priorities.
Rather than asking only, “Should I buy travel insurance?” it may be more useful to ask, “What would be difficult, expensive, or stressful to replace if my plans changed?”