Here’s the thing: I am a walking disaster. I am clumsy, forgetful, scatterbrained, and generally prone to mishaps. But up until a few years ago, I had never purchased travel insurance in my life. Today, a few years and many travel disasters later, I refuse to travel without it. So, is travel insurance really worth the money? We’ve created this massive guide to help you decide whether you need coverage for your next trip, with recommendations for the best international travel insurance providers.