Yep I don’t have any so I try and not to think about it too much. Cost to much for my kind of life lol.
So many loopholes and reason they won’t payout a policy. Not to mention all those special cases of having need extra for this or that.
Granted you are a bit of a traveler and adventure so having some sounds like a great idea.
It’s true, some of these insurances cover travelers and that was something that was swaying me take it.