answer:For me, it depends on the expense of the trip and how likely I might be to have to cancel or change it. If I were going to Australia and had elderly or sick parents or children, I would probably get it. If it’s a shorter trip or like a visit to my kids in Paris, I have not bought it. I’ve used both Travelex and Travelguard but never had to make a claim so I don’t have experience of that.