Last year my husband and I did a Galapagos Islands cruise, and hiked the Inca trail for 4 days. Anyways, the tour company, Gap Adventures, out of Canada, makes everyone get mandatory travel insurance with repatriation. We had to show our policy the first night. I figured they learned the hard way, and finally made everyone get there own policy. I thought this was a wonderful idea. A few weeks ago, we went to London and Morocco. We bought travel insurance w/repatriation just in case. We used "Travel Insured International". Also- I am a RN, I work in ICU. We had a patient from France, who was ejected from his hummer, the hummer rolled over him. He nearly died, after he was stable, his travel insurance paid for him to have medical transport and flew him back to france under their policy. You never know.