Do you use travel insurance every time you travel?

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Travel insurance is great to have especially if you are going somewhere that is quite a distance and you run the risk of losing things or having things stolen. In most cases, some people will have travel insurance in place no matter where they travel to but some will only ensure they have travel insurance in place if they are going somewhere that is quite a ways out from where they are traveling from. 

Do you always use travel insurance no matter where you travel?