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I have never used trip insurance. Considering a 10 day liveaboard at Palau and wondering if I should use trip insurance. Pricing seems a bit steep for the insurance at ~5% of the cost of the trip. I believe nothing close to 5% of the people cancel out of such trips. But 5% is far cheaper than being out the total cost if something happens requiring cancellation. Do people here use trip insurance often? Is 5% a typical cost?