
Henchmen should always have insurance! (Indiana Jones and the Temple of Doom).
Travel Insurance.
Let’s get the famous, much used philosophy on the subject out of the way…
If you can’t afford the travel insurance, don’t travel!
Why? If something bad happens to you on your travels be it an injury, flight cancellation, hijacking, family death, theft of property etc. then you need to be able to pay for the treatment or to replace the item and recoup the costs of a cancelled trip.