Are you a worrier? Do you run to the doctor at the first sign of possible trouble? Are you particularly clumsy and break bones? If the answers are no, as it sounds like they might be, I'd say don't bother with the insurance. If you need an English speaking doctor in Italy you'll find one. Your hotel or any pharmacy will help. It won't cost an arm & a leg if rumor is true. I don't know precisely because even though I travel a lot I answered no to all my questions too, don't need doctors in Europe and don't buy insurance. One of those things for which there's no 1 answer, do what makes you feel best. I recommend spending the money on a romantic dinner.