Here's why:
Different travelers: Are you a solo adventurer or a family of five? Your needs differ vastly.
Different trips:
 Relaxing on a beach versus trekking a mountain require different coverage.
Different budgets: Premiums vary based on your desired level of protection.

Instead, consider:
Matching your needs: Identify potential risks specific to your trip (e.g., medical emergencies, trip cancellations, extreme activities).
Weighing options: Compare policies based on coverage, exclusions, and price.
Finding the right fit: Choose a plan that offers the protection you need at a comfortable price point.