A. If your travel risk tolerance is high, you can probably skip travel insurance.
It's estimated that 80% of the people who are eligible and should buy travel insurance don't buy it, mostly because travel insurance has been too costly and too complicated, but that is changing.
For example, Berkshire Hathaway has an app called AirCare. Open an account and you can buy a basic policy for domestic ($34) or foreign ($46) flights that pays out automatically if your trip is cancelled or delayed by two hours.
Where to Shop Travel Insurance?
Just like airline booking, you can visit one of the two major travel insurance aggregators' websites to shop a travel insurance: