Much of travel insurance cover is window dressing. . The vital bit is the medical and repatriation cover. I don’t think I would be too worried by the loss of my suitcase. Happy to carry a large excess if there is a significant saving.
Always amazed by those who travel without any financial reserves and are stranded with a few euros in their pocket. you should travel without having the cost of a return ticket or a credit card with a decent limit.
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