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Always but never had to file a claim. We travel a fair bit so pretty lucky.

Yes, we purchased travel insurance for our honeymoon. It ended up being right at the height of "Swine flu" in Mexico when there were travel advisories and Mexican schools were closed. I was told that they would have refunded our trip anyway but they even refunded the cost of the insurance.

We've purchased special insurance for diving vacations, where an air-evac from a remote location to the nearest hospital and/or hyperbaric chamber could be $$$. If we are just travelling within Canada or the U.S. we don't, but our credit cards have cancellation and medical insurance.

ETA: we purchased insurance for our babymoon.

Yes, only for our honeymoon (the travel agent we used required it) and I'm SO glad she did! There was a strike in Tahiti, and the airport closed down for a few days so we couldn't leave. We would have lost so much money had we not had the insurance. However, I haven't bought it since...tough call for future trips!

I never got it until we had a vacation booked and subsequently found out my step-dad was sick. Luckily we were able to buy it after the trip was booked and we ended up using it.

For big vacations I will absolutely buy it again. But if we get cheap Southwest flights to visit relatives I don't think it's necessary.

We do buy it & I should've filed a claim on our last international trip (but for some dumb reason didn't once we got home). We had bad weather & had to arrange new travel plans mid way through to get to our 2nd destination when we learned the morning of that island ferry was cancelled all day & likely the next. It wasn't a crazy expense, but a major hassle & would've been nice to take advantage of the protection plan.

@Astro Bee: I make sure I'm a DAN member when we go on dive trips too but I don't really consider that trip insurance. That would cover hyperbaric chamber use even if I was diving close to home so it doesn't have anything to do with being on a trip/vacation or not.

@Mrs.KMM: I learned about that in dive school but never had an opportunity to use it- the insurance that is.

Never have!

I always purchase travel insurance but have never had to file a claim so far as I can remember.

DH, on the other hand, has had to file a number of claims and it's a good thing he had insurance or he would have been out several thousands of dollars by now. My favourite is him getting bitten by a monkey in China and requiring rabies shots for the next four weeks. They were cheap in mainland China (about $5/shot), more expensive in Hong Kong ($125) and astronomical when he got to the US ($1500/shot)! We always buy travel insurance and always will....usually if we book our trip on a credit card, insurance is included, so easy enough!

We did for our honeymoon. We now book all our travel on a credit card that has this protection built-in!

Yes, but only for international trips. We ended up going to visit my family in the Caribbean in summer 2011. It turned out to be the weekend that Hurricane Irene hit the Northeast, and we couldn't get back on time. We had trip insurance and got reimbursed for a lot of the additional expenses we incurred to get back home.

I almost always buy it for international trips anywhere and I especially do now with LO.

Never gotten it and never needed it so far in life. But if/when we travel with DD. I'll def get it!

I've never gotten it and never needed it

We buy it for international trips through USAA. Never had to use it, but when we've shelled out for expensive flights or acquire that would otherwise be unrefundable, it gives me major peace of mind.