travel insurance paris

Should I buy travel insurance?
I travel to New York in two days, when purchasing travel insurance have found that costs £ 92! Do I really need to buy it, because I bought a recent trip to Paris and my luggage was temporarily lost and found a way out of paying up. I'm not asking if I should get, only if you really can go on holiday without it, or is a legal requirement? Thanks
These are all very good answers! Certainly, we do not to be in New York without adequate coverage! Check out the link in the plan http://www.WorldWideMedical.com can apply online and print your ID cards there, or call 800-647-4589 have a safe trip and enjoy the U.S.!
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