There is a gamble and that is take Insurance or leave it.
If you dont want to spend the extra few bucks then YOU take the RISK on your own shoulders.
Pay for it and have the comfort of knowing all bases are covered if something goes wrong
What some are trying to do here is because they decided not to do it, is place blame on someone else. Sorry but that dont hold water, and please see the difference between service provider and personal responsibility?
Question: Do you see personal travel as different from personal health, teeth, death, whatever...if so why?
A good couple of posts there Kuki