Obvious  reason, it comes  with the cc so no need to pay extra. Having said that, i always purchase  a proper travel  insurance from companies like msig axa etc

i bought from aig when i went to cambodia. that's cause i felt like for cambodia, i just needed the most basic travel insurance. just to cover medical. those things like lost of document, travel delay doesn't seem quite applicable for such a short trip. aig was the cheapest i could find.

buying online from aig seems reliable. policy received immediately, no issue in payment.

though i have to admit their interface can be more professional looking...