I bought an expensive nonrefundable airline ticket to Cali in late July for the trip I am currently on. Initially I didn't buy the trip insurance. But as people around me started to pick up the Covid and the fact I couldnt count on Cali to stay open I picked up the insurance in case I needed to cancel. I generally I don't buy it. I would consider buying it if I was flying or traveling somewhere where I couldn't get a refund if I had to cancel or if there was a chance of a weather event like a hurricane that might screw me up. Case by case basis for me.
