It doesn't matter where you go, you need one. As much as you think that nothing will happen to you, something will happen to you. I had travel abroad three times before and I never had to use it. This time, that I twisted my ankle, I didn't have one, because I trusted in the travel insurance of the credit card. So, when you travel, please make one.
ISIC is the most famous one! And here is the link for that!
So don't forget: preventing is always the best medicine!