555 We went to a Phillipines festival in Canada and my Thai wife didn't want to have any of the food. She said "if it's so good, why not famous like Thai food?" 😆
Obviously, insurance (of any kind) is a gamble. You're paying for something you hope you don't need. But if/when you DO need it, it's too late to get it if you don't already have it. Just be sure to read those "limitations & exclusions" in your contract's fine print, because, as they say, the devil is in the details.