Cheap personal travel insurance is inexpensive, but it doesn’t have to be low in quality. You should expect your cheap personal travel insurance to give you the same coverage that expensive travel insurance would give you, but perhaps with higher deductibles and lower benefits. After all, if a Komodo dragon eats you for lunch in Indonesia, what do you care if your survivors get $800,000 in death benefits or only the $700,000 that you might get if you got cheap personal travel insurance? After all, the odds are low that you’ll be the main course of any errant Komodo dragons. You might as well buy cheap personal travel insurance and just work a little harder to avoid falling into a giant lizard’s grasp.