I admit that I’m kind of on the fence about travel insurance. However I personally think traveling in a pandemic without travel insurance might not be a wise move. Because if you do test positive then you’re going to be staying in that country for a couple of weeks and you may need medical attention and the way it works with your home insurance is you pay out-of-pocket and then they reimburse you. The one time I did have to use travel insurance, we were able to get the insurance company to call the hospital and make arrangements to pay them so we didn’t have to front the money.
Now I know people will tell you that healthcare and Europe is cheaper or free. We were in London and all I can say for the healthcare we got there was it’s free. Luckily I knew some people that worked for a private hospital in London and was able to get our companion transferred to the Private hospital where we actually got care. Because what we were told by NHS was because she was 65 years old so tit was accepted that her arm would not be usable because of her injury without surgery but at her advanced age they would not do surgery. they also saw no need to give me a release to let her fly home where she could get surgery because they wouldn’t do surgery in the United States either for someone of her age. (I’m not making that up. We transferred her to the private hospital, and we got the release she went home she had surgery she regained full use of her arm.)
So right now I figure you either need to have travel insurance or a good amount of available credit/cash. I travel to Mexico quite often and I often see on Tripadvisor and other places dealing with Mexico and places like that posts begging for people to go to some go fund me page because somebody was on vacation and got sick or got injured and now they need money.
Also, if anyone in your travel party is covered by traditional Medicare then you have no coverage outside the United States. Traditional Medicare will not reimburse you for any injuries illnesses etc. that occur outside the United States arch territories. So if you have traditional Medicare as your primary insurance and your supplement does not have a travel rider and you get sick or injured in France or any place else you will be paying all the bills.