I have spent literally thousands on travel insurance over the years. Only time I thought to use it was when I dropped my camera out of a canoe in PNG. After excess and depreciation it was not worth it.
Accidents can happen to anyone, young lady, fit and healthy stepped back at a park in Noumea. There was a concrete drain, she broke her ankle and ad to be repatriated to Australia.
I wish there was a no claim bonus. My premiums are getting larger, even though no claims, because I am I my 70’s and have existing health conditions, managed with medications.