Its a personal decision.

If anyone's employer provides employee benefits (Life, AD&D etc) through SunLife Insurance, you may have it as a freebie from SunLife already, check your policy/HR dept etc.

Otherwise search online. sites like squarequote let you compare coverage types from a variety of companies

Its the Emergency Medical Care and Medical Evacuation portion that can be critical, because its verrry expensive if a person has to be airlifted with medical personnel etc. Basic care is reasonable in JA, but if you need specialized care or drugs to stabilize the heart etc., that can require approval for several thou$and dollar$ on your credit card as soon as you arrive at the facility.