yes , badly needed …

yeah I always get travel insurance. It covers lost luggage and illnesses etc. Better to be safe than sorry

what are you brain dead or something, of course you will .

Yes. It would be advisable. You could easily trip and fall and need medical assistance.

It isn't mandatory, but the small amount it costs will cover you, just in case. Better to be safe than sorry.

Even food poisoning would end up costing you a fortune without insurance.

Are you serious? With a country like India it is absolutely imperative that you have good travel insurance. It also covers you for cancellations, flight delays etc

insurance is for things you dont plan. i personally wouldn't travel without any insurance, but its up to you. some bank accounts like barclays offer free travel insurance if you have certain accounts – premier account i think – It might be worth just checking with your bank.

I have not read any answers. Last time I was in India I did not take out insurance. I go again in a few days and will not take insurance. Maybe I will lose my bags, so i will replace them. Maybe I will have an accident and need to be evacuated, if so I will stay in India for better medical care. No one would offer insurance unless they could make money from it. RESIST!

What happens if for example you go for a lazy walk and trip over something and break your leg.. (I know very unlikely) what would you do then? As it is very likely this would cost you a fortune to get sorted in the local hospitals and somehow you'd have to be flown home.

You should always get travel insurance.. some travel agencies won't let you travel without it.

For sure. But don't pay too much – travel insurance typically doesn't cost that much and is well worth it.

I have been on many relaxing vacations overseas where I got sick. Sometimes, just a bad bug can put you in the hospital. Their procedures are different too – they may throw you in the ER because you are a foreigner – which will rack the cost up. This happen to me in Thailand. They try to make it mandatory to stay overnight – 3 nights – for an ear infection! I had to fight it strongly. I ended up coming back everyday for 3 days to get a shot. The costs added up! I'm glad my travel insurance took care of it.