When purchasing an airline ticket, do you buy insurance?

never. it's weigh out own situation, if chances of change of plans on 50% maybe it's worth buy insurance. luggage had been delayed few times ended recovered few hours later. became sick once had pay us$150 change fees airline, works out cheaper if had purchased insurance every single time fly.

i've gone without buying insurance , nothing has happened, said may happen now. i'd know if ever insurance , why? has luggage ever been lost? curious on other people do.

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