I have gotten travel insurance the last few times we have traveled to Cabo. This last October I finally had to use the travel insurance. I figured it would be a fight to get reimbursed for travel expenses that we had paid for and lost because we had to go home early. It turned out that after turning in all the paperwork they issued us a check within 30 days and there was no hassle as I thought there would be. In our case I will continue to get travel insurance.