Travelers may want to have insurance, in part because you're health insurance might not be adequate. It is worth buying personal travel insurance because it will provide primary health insurance and provide medical evacuation coverage. You can purchase such insurance at a reasonable cost if you don't purchase the trip cancellation option. On web sites, one fills in the "value of trip" as zero.
There's another kind of insurance that one can consider, which is kidnapping and ransom insurance. K&R insurance is not unreasonably expensive, but having been to Rwanda I don't think its purchase is necessary. Rwanda is very safe, and kidnapping for ransom is not a modus operandi.
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