Every time you book a flight, cruise or sometimes even tickets to a museum, you get prompted to buy insurance. Well, the fact is that you don’t need insurance for every trip or event you buy a ticket for. In this episode of the Associated Press Travel podcast “Get Outta Here,” AP Travel editor Beth Harpaz talks with Beth Godlin, president of Aon Affinity Travel Practice, about situations where you really don’t need to buy travel insurance. Godlin also talks about how to figure out when travel insurance is probably a good hedge against unanticipated expenses or problems, and what exactly you can expect it to cover.