Depends on what kind of insurance you’ve got. I mean what it actually covers. A lot of people think of insurance only in terms of health stuff. Like if you get sick, end up in an accident, get injured, that kind of thing. The insurance from https://auras.insure/, which I usually get, also covers things like lost baggage, lost documents, delayed flights and all that stuff that can totally happen even during a layover. Stuff you can’t really control. It’s up to you, of course, but I’d get it just for peace of mind.