adding travel insurance will be great for smarttrip platform, because traveller will get compensate if something bad happen to them during their vacation

This is good idea, and there are some platforms that are looking to integrate insurance on blockchain, it would be nice if not smart trip insurance, at least to partner up with some of them.
Needless to say. Insurance is an integral part in travel and tourism. This should be developed and provided by default. As a rule, people do not want to do this separately.