My father suffered a heart attack in Spain,he was moved to a Private Clinic immediately. Daily living allowance paid to his wife in addition to her extra hotel bills; addition family members flown out and my father repatriated by special flight. We have never seen a bill.
My last planned vacation was abandoned because of extreme weather conditions - I could opt to cancel after a delay of 6 hours and all costs reimbursed.
I would not be without travel insurance and I think a case could be made for making the purchase of travel insurance compulsory. I purchase an annual policy which reduces the costs substantially.