It is not a rip off if you need. The bigger question is how much is at risk - non-refundable deposits, non-refundable tickets, etc. That is what you insure. And there are different types of insurance - trip cancellation, trip interruption, medical, etc., - so be sure you read the fine print and understand the difference. Expect to pay abut 5% premium for the amount of dollar coverage. You can look at policies at insuremytrip or squarejaw.com
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