A lot of travel insurance feels like a scam. As consumers, we're primed to treat insurance and protection packages as a rip off, mainly due to the countless retailers who try to make us pay up by offering to poorly insure shoddy products. Whether it's the extended warranty at Best Buy or rustproofing on a new car, these policies are rarely worth the paper they're printed on.

As travelers, we're no different. We shy away from travel insurance, thinking of it as the lousy clickbait offered by airlines as trip insurance.

In this case it's a sensible attitude gone too far, because these aren't the same products. In fact, for the right person travel insurance can be a borderline invaluable purchase. Anyone traveling particularly far, or for more than a brief vacation, should consider it a necessity. For everyone else, it's worth a look. Here are ten reasons why.