Damm! Sajha is full of retarded Nepalese Pakeh. YOU DON'T DO INSURANCE FOR YOUR TICKET.Why you are acting so smart?. You do insurance for your luggage. For example, if you travel by Thai Airways, and you lost your luggage they will provide you automatically $350. But if you mention all the items prior to boarding and buy an insurance for that for certain amount it can cover up to $3000 or more. Or  if you lost your specific item in the luggage, they will do reimbursement for that, too.