Christina

The amount you insure is the main driver of what your insurance costs, the medical is trivial. I am conservative on what I put in to get a good price. I never include any costs that are not refundable, which means for airfare I only put in the change fee, and then I add a few train tickets or whatever I may have bought. I rarely prepay hotels at all, so never add them unless I do. I do not buy insurance except for really big costs, I don't care about insurance covering trivial things, it's too much hassle and not worth the cost (ie, the first night of one hotel on a trip in case I had to cancel within 24 hrs).

I do not understand someone above who claimed the flights were expensive, I've never booked an international flight that did not have a change fee if you cancelled and re-used it, and that is $200 or less.

Insurance is not going to pay you for costs that are refundable or not even owed (meaning hotels you cancel with no penalty). I think some people put in costs that are refundable.

thursdaysd

"the medical is trivial."

Depends on how old you are and whether you are including evacuation/repatriation (as you should).

"I never include any costs that are not refundable"

I think you meant "are refundable".