Is it worth the added expense to insure my trip?

Let me break it down for you. Upfront you are making a non-refundable deposit. At some point before you leave all of your trip becomes non-refundable leaving your vacation investment exposed to the unknowns. As you know, life happens, and insurance is a way to protect your monetary losses! Not to mention, the insurance we recommend covers during travel emergencies as well - such as baggage loss, travel delays, and medical emergencies.