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Travel insurance needed or not?

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For the very first time on our travels to Asia, I'm actually entertaining the notion of not getting travel insurance for our Japan trip (although when we go to place like Europe, I never purchase it.)

The reason I don't think it's that necessary for Japan is that our flights are award tickets (about $40 in taxes each) and ALL of our hotels are pay-upon-arrival. The redeposit fee on our tix (if we canceled) is waived due to our frequent flier status.

The only real tangible advanced purchase cost I have is the JR passes I got for us last week...and those, I believe, are partially refundable if unused.

I know the additional medical coverage is helpful but med evac is much less a concern in a place like Japan.

Guess I could just insure us for the cost of the passes and get the added bonus of the luggage, medical and delay benefits.

I know insurance is VERY popular on here--and like I said, I've gotten for every single on of our SE Asia trips. This trip felt a bit more of an exception, though.

Thoughts?

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