Travel Insurance is certainly something you need to have before you travel. It will give you peace of mind.
Be covered for where you are going and what you are doing.
This sounds obvious, but ensure that your cover will apply where you are going, especially if you are visiting popular destinations just outside what my be considered Europe, like Morocco and Turkey. What you are doing? Will you be going skiing or rock climbing. Make sure your cover extends to that. Read your policy carefully.
Take your documents and a copy. Travel with your insurance documents and also have a copy on email you can access.
Remember drinking and insurance do not mix. Certain policies will be invalid if you are drunk or under the influence of drugs.