Do you travel with a travel insurance?

Sometimes, I wonder how many people actually travel with a travel insurance or do they think it's just a waste of money and efforts. Well, if you believe that life is unpredictable then a travel insurance is necessary to minimize stress, cost and add to your travel a peace of mind. DH always makes sure that we have this settled before any vacation since it will cover unexpected medicals, air travel incidentals..etc. What are your thoughts on this? Do you travel with a travel insurance?