I always recommend trip insurance which helps in case your luggage is lost, the airlines cancel or change your flights, you have to cancel your trip, etc. Insurance isn't that expensive and although I've never had to collect, I always buy it.
There are a number of companies that offer trip insurance, but the following link benefits the Wildspots Foundation - so you may wish to compare the price of this insurance against other companies. This company donates a portion of the insurance sale to the Wildspots Foundation, Inc. - https://www.travelex-insurance.com/consumer/welcome.aspx?location=09-0230
Regardless where you buy it, I really recommend it!!