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A quick check with the CDC confirms you will need a few vaccines for Punta Cana, the Dominican Republic, along with protection from malaria, dengue, and cholera As you can see, the 4% value is actually somewhat of a worst-case scenario in the 65 year period covered in the study. In many years, retirees could have spent 5% or more of their savings each year, and still ended up with a growing surplus. Millions of people travelled abroad from the UK last year without paid-for insurance to cover them against personal injury or illness. This is despite travel companies insisting that customers are. Here we what travel insurance covers, what it doesn't cover, and why you might. Do you still need travel insurance if you have a European Health Insurance. The general rule is that you’ll need to buy emergency medical or evacuation insurance when going out of the U.S., Rick Garlick, a hospitality and travel expert with Magid Associates, tells CNBC. 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