For many, travel insurance is a valuable commodity: it offers protection against eventualities that could prove costly, such as personal injury, baggage loss or theft and cancellation cover. Of course, as with most things in life, there are some who won't commit to something without seeing clear proof of the benefit it will give them. Unfortunately, to experience the benefit you will need to encounter an eventuality for which your insurance policy covers you. Without a policy you will learn that benefit the hard way - by being left out of pocket...