A friend of mine had a heart attack while he was on business in California.
He rang his wife to check who she'd booked his travel insurance with and she had to admit that she'd forgotten to book any.
It turned out to be a very expensive mistake as he had to pay £48,000 for the treatment he received while he was there.
I had similar treatment here in England when I had my heart attack and it was free because of our wonderful NHS.
So I think this shows that none of us should take chances when it comes to travel insurance.