Yael from WorldNomads.com here. You sound a bit hesitant about travel insurance, but you can check out some of our true travel claims stories at the following link: Travel Insurance Claims Stories from our Claims Department. It shows examples of claims that World Nomads has settled with our customers.
If you have any other questions feel free to send through an email to askus@worldnomads.com and we’d be happy to help!
I bought travel insurance for a planned airplane flight within the US, and I wound up canceling my plans. I had no problems getting paid after providing the documentation requested about why I canceled. I would buy it again for future travel plans, personally.