As far as I understand, it is not only about health and medical cases, right? Otherwise what is the point of all the variety of insurance options from different insurance companies.

There are different types of insurance with different numbers of situations they can cover. I think you can get all that info directly on insurance companies’ websites.

Getting insurance is really not hard now, and you can easily do it online. There are super budget options, literally for a few dollars, and also very expensive ones that cover the most difficult situations. Anyway holiday insurance will be needed. I really recommend not ignoring the chance to make yourself safe, protect yourself in different situations, whether it is sickness or lost luggage.