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I was wondering how important travel insurance is..I know it covers things like medical emergencies, lost baggage, missed flights etc etc..But it is 7 % of the trip cost which would come to about $700. per person...Seems pretty expensive. Any light you can shed on this subject or if anyone has...

We are in our 60's and were thinking of going to Tuscany on our own. Looking for a place where they can arrange tours, cooking lessons, horseback riding, good food etc. Never been to Italy. Want to stay in same place for entire time..any thoughts on where to stay. Thank you, Kathy