Travel health insurance is cheap for a youngster your age with no health conditions. Might cost you a hundred or $150 for a year! Does not make sense to go with out it. (Off topic sorta, but...) Same goes for renters insurance to cover your belongings in an apartment or other housing type accommodations. So very cheap, and covers your keister, just in case. It's a necessary evil. And yes when you get home unscathed, you'll say that it was a waste of money. But it has already been said, when you need it, it's too late if you don't got it!