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Travel Insurance. Up for a vote?

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I have been looking into travel insurance and am wondering how any of you approach the decision to buy or not to buy. Our credit card (venture) covers lost luggage and death/dismemberment on a common carrier, and our health insurance has quite good coverage (not evacuation, but emergency and even some non-emergency). The gap comes in canceled flights--if we are ill or somehow unable to fly, that is where we would feel the loss. We have never gotten insurance before, but our tickets have never cost quite so much before, either :).

To buy or not to buy . . . that is the question. (cheesy, but who can resist? I am going to England after all!)

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