Travel insurance is a must. I won't go anywhere without it. You just don't know what can happen in a different country.
I was in benidorm the other week and ended up in the wrong hotel pissed up. I got in and they gave me a card to get in the room I told them I was in. Luckily nobody was in there but the next day I thought how easy was that if you had bad intentions. Quite scary I just said room 702 and they regenerated a card and gave it me. I was shocked when I woke up and realised I was in the wrong hotel. Insurance is a definite especially on holiday with all the lads.