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Over the years, I've had a couple of medical curveballs thrown at me – some even while I was traveling outside the United States. But, up until a few weeks ago, I never had to go further than the local pharmacy or clinic to fix the ailment.

That was not the case in Interlaken, Switzerland where I all of a sudden found myself at the E.R. wondering if I had broken my hand after an afternoon of canyoning. I had just spent the week in Luzern at the Adventure Travel World Summit and decided to take an early train to Interlaken (for a post-Summit conference) so that I could go paragliding – a calming, scenic, safe adventure excursion. What I didn't count on was the rain, which of course negated any possibility of paragliding that day. The other choice was canyoning.

Is travel insurance really worth it? That’s the question that often gets tossed around the travel community. As the General Manager of WorldNomads.com, I want to delve into some of the common myths and opinions about travel insurance that are out there (yes, we’ve heard them all) and weigh in with what I hope to be useful information on what the benefits of travel insurance truly are.

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