Yeah, insurance is a way for a tourist to make the trip comfortable. That’s why it’s really important to get insurance, even if you’re flying somewhere for 1-2 days. If you’re seriously planning a trip, I suggest checking tourist protection in Schengen zone. It’s not hard, you just need to read and understand it. Good insurance will cover illnesses, injuries, emergency medical care, and even helps if luggage is lost or a flight is canceled.