Should I buy travel insurance if my trip is within the USA? Published by Chris Harvey November 6, 2007 If you do not need cancellation cover or if you are not flying, travel insurance is generally not needed. For travelers requiring cancellation benefits for a costly trip or those looking for peace of mind, travel insurance is worthwhile. Related articles: One of the members of our family is much older than the rest of us. Does that effect the premium? What does "baggage delay" cover? What is "International Medical" travel insurance? May I insure a family member joining us on our trip, but already out of the country? If a hurricane watch or warning is issued that may impact my travel plans, up to what point can I still purchase travel insurance?