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Never leave home without it (literally) I have year round insurance (with repartreation) - however for the trip to 'Nam I took out specialised insurance for the specific activity on the trip (off road riding), one of our lot fell 20 feet off a landslide that we were crossing. He caused himself some damage that we fixed with our own kit. He was 81 at the time, I admired how stoic (I'd have cried like a baby if it had been me.) he was. Fortunately he rode the rest of the tour. He had insurance from the Post Office which cost more or less the same as my specialized insurance. Could have been interesting.
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