Smart Traveller says:
" The smell of coffee gets you first, drifting up the stairs over the orchid and hibiscus to your bed. The morning sun glittering off the Pacific blinds you, but the aroma of fruit toast tugs you down that same set of stairs, and the sound of papayas in the juicer sets your course in the right direction. The crystal-blue ocean draws you to the edge to take in the view of waves crashing. And it's then, when you see tourists in conversation with a gathering of local police, that you think to yourself, "That's why I've got travel insurance".
But hey, that's not the only reason. So hold on to that coffee and fruit toast moment (or substitute preferred tropical breakfast regime here) while we elaborate on the other reasons why you have – or need – travel insurance.