Something I actually recently figured out is that there are some travel credit cards (at least in North America) that have features like providing free travel insurance (in my case it is up to 8 days for free with the option of purchasing more through the card at reasonable rates) for any vacations paid for on the card.
I have not read through the fine print to see exactly what is and what is not covered, but I feel like this might be at least a partial solution when there are not other outlets to obtain this insurance cheaply.
Of course there are always dangers with credit cards (high interest debt, etc.) so of course use it wisely and only buy what you can actually pay off (ok that ends the personal finance lesson
).