Travel Insurance: Don’t you dare travel without this!

Travel Insurance: Don’t you dare travel without this!
(The first story on there is a perfect example of why you should get travel insurance NOW!) Insurance is something you hope you never need to use, but you get anyway. But often times people forget that their normal insurance typically won't cover stolen items or accidents that occur overseas. As always, we never recommend products or services we don't use ourselves or believe are high quality. What travel insurance should I use?