How important is travel insurance for any given trip?There is nothing to protect the traveler from travel accidents and problems without insurance and a policy will always have stipulations for claims. Refunds are normally given out especially when countries in question are not safe to go to. If the company does not cancel the trip amidst the conditions in the country then it will be much harder to get one's money back.As an example consider possible chaos in a particular country beginning just before a trip is about to ensue people will tend to back out of travel plans easily. When a person is afraid he or she will not receive payment for a cancelled trip.