My husband and I always buy travel insurance. When our parents were alive there was always the possibility a medical emergency could result in our having to cancel a trip. Now that we, ourselves, are older we buy travel insurance for the same reason. Plus some of our trips, like to the Galapagos and Antarctica, have put us in places where medical evacuation, if necessary, would be very expensive.
But what if we were in Athens when the riots started? What if we were in Japan when the earthquake hit? Would our insurance have covered our trip delay, the additional expenses involved in finding a way home? I honestly don't know.
I'm going to have to find a copy of our travel insurance policy and read the small print.