Oooh, you must have insurance, when I was a travel agent I almost begged a young lad to take out insurance, he didn't, my boss patted me on the back, I tried so hard, the lad obviously wanted just a one way ticket as he was going to find work, it was cheaper to buy a return ticket he didn't use it, when my grandaughter did 6 months touring I insisted she had the best insurance and I paid for it, grandson doing the same next year and I will do the same.
Take care.
LM