There is an insurance out there for everyone and everything it seems. There is even cheap travel insurance if you need it. I think that my grandparents would have really benefited from travel insurance. They use to travel everywhere….from Alaska to Austria. They loved to travel and spent their entire savings traveling to places around the world. They do not travel anymore but the have great memories that is for sure! That is how you should do it….live your life and spend all that you have earned …enjoy it while you can.