Poll: Traveler’s Insurance

Don’t worry, I’m not trying to sale any traveler’s insurance for your next trip, but I am curious to
know how many people make this kind of travel purchase?  I was
looking at some site earlier today which I can’t remember because some company was advertising their travel
insurance services in a big, orange, glowing box with black letters. Some section in my brain still
thinks that I’m invincible, though my budget can never really afford this travel necessity. 
It’s always last on my list and never makes final cut, but I’m sure it’s going to take on swift lift of my luggage
before I realize having it could come in handy.  Any, “If only I had had traveler’s insurance…”
stories out there?

For those planning and interested in travel
insurance Lonely Planet can point
you to some service providers.