Tourist insurance is important for several reasons:

1. Medical Emergencies: If you fall sick or get injured during your trip, tourist insurance can cover the costs of medical treatment, hospitalization, and emergency transportation.

2. Accidents: Tourist insurance can also cover the costs of unexpected accidents, such as a trip and fall or car accident, which can result in medical bills and other expenses.

3. Trip Cancellation or Interruption: Tourist insurance can protect your financial investment in your trip by covering the costs of cancellation or interruption due to unforeseen circumstances, such as illness, natural disasters, or other events beyond your control.

4. Lost or Stolen Luggage: Tourist insurance can also provide coverage for lost or stolen luggage, which can help to ease the financial burden of replacing valuable items.

5. Peace of Mind: Lastly, having tourist insurance can provide peace of mind while you are traveling, knowing that you have financial protection in case of any unexpected events.

In summary, tourist insurance can provide financial protection and peace of mind during your travels, and can help to alleviate the stress and financial burden of unexpected events. It is highly recommended that travelers purchase tourist insurance before embarking on their trip.