Of course consider travel insurance -- have you seen the volcanos/tsunamis/earthquakes we've been having lately? A cancelled flight can ruin a vacation. If you are headed out into the bush, where medical treatment may not be readily available or a local hospital may be below first-world standards, the medical part of your travel insurance policy will likely offer coverage called "medical evacuation." This means you can get airlifted out of the area to a major airport, where a trained nurse from the insurance company can assess whether you will be sent home or operated on. Unless you are traveling deep into the jungles or desert, you don't need the million dollar coverage; $100K-$250K will be plenty.