Get. Off. The. Plane.
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The great thing is, it's not just for flights! My travel insurance gives me coverage as long as I'm travelling outside my home. It literally covers damage to my bike if I'm visiting my parents for the weekend, or road assistance if my car breaks down on my way to a hike.
That's essentially why I have it: Pretty much everything I bring with me on any trip that's not to-from work is covered.
That sounds too good to be true, I would expect it to be three or four separate insurances. I have only one that covers my bicycle and any problems I cause or get while riding it