costly precaution

I don't know if a person needs travel health insurance, but when i think of all the things that go on on the road, when i think of how you can fall sick when all you really want to do is have fun i think it might be a good idea to have this but then again how many of us actually crash our car, how many of us actually use our homeowners insurance, hmmmm i don't know

when does precaution become costly