I don’t want to travel paranoid, just not be the easy target or the idiot in the hospital queue.
It depends less on the passport and more on the choices you make. Solo travellers get into trouble most often by arriving late with no plan, overdoing alcohol or drugs, trusting the wrong stranger out of politeness, or flashing money and tech without noticing. If you research the basics, book your first night or two, decide your hard lines (what you *won’t* do for a story), and keep one person in the loop about where you are, solo travel is usually as safe as your normal life—just with different scenery and fewer safety nets.
Most of the time you won’t use it, which makes it *feel* like a scam—until the one time you do. A simple broken bone abroad can cost more than your whole trip; an evacuation from a remote trek or island can hit tens of thousands of dollars. Insurance is worth it if you: couldn’t comfortably pay for a hospital stay or evacuation out of pocket, you’re doing anything remotely risky (scooters, trekking, diving, skiing), or you’re travelling somewhere with expensive private healthcare. Buy a basic policy that clearly covers medical and evacuation; skip ‘gadget cover’ and other shiny extras if money is tight.
You don’t have to treat every stranger as an enemy; you just stop making yourself the easiest target in the room. Do your homework before you land so you’re not stress-Googling in the street, keep your valuables organised and out of sight, and build a few habits—seatbelts, checking exits, not getting wasted with strangers, having a way home that isn’t a sketchy last-minute plan. After that, relax into the place you’re in. Notice what locals do: where they walk, how late they stay out, what they carry. Use those cues, trust your gut if something feels off twice in a row, and spend your energy enjoying the trip instead of rehearsing disasters.