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Even if you travel very less, there are plans which insure you for one trip. In case you are traveling by flight, have booked an expensive hotel, are going out of the country or are carrying expensive items with you, travel insurance sure makes a lot of sense.
There was once a pawn shop who also used to lend or transfer money both locally and internationally who sold me a fire insurance. I used to transfer money and send them to my loved ones in the province. When the customer service offered me the fire insurance I accepted it but had a doubt about how to use it. Knowing that our house was concrete and I thought at that time, that nothing will happen to us. But after several months our village caught fire including our house. After the incident I realized that luckily I bought the insurance because of which I was able to claim a big amount.
Now, with that experience of mine I would highly recommend buying a travel insurance whenever you are travelling because this will benefit you in the long run. We don't know what will happen to us when we are travelling. No matter how we manage to keep ourselves safe still everybody is prone to accident and we don't know when and how what would happen to us. This is the reason why I'm recommending buying a travel insurance most especially if you are travelling even if you are not a frequent traveler.