I grew up in the Philippines and currently living in Melbourne so I know whats its like in some these countries.
The question is, will I need travel insurance or not? The way I see it, its just another unnecessary expense as I travel on a shoestring. I am not one of those people who do stupid stuff not knowing the consequences after and I travel responsibly. Not quite sure how important it is to have insurance so please do enlighten me and tell me if I should get one or not.