Last year I while I was on vacation, touring some of the popular sights in New York City, I had a couple of fainting episodes while in the ladies room at the United Nations Building. My account of it is found here. The hospital they took me to is supposedly the best in the city - New York University Langone Medical Center. I shudder to think what it would have been like had I been taken to a lesser facility.
The reason I am writing about this today is because yesterday, December 11, 2012, 14 months and two days later, I got my first bill from them! The total bill for those 26 hours (8 of them were in the Emergency Room, where I was totally ignored the first 3 hours) was $14,757.56. Last month, my primary insurance paid $11,257.56 of it. Today I faxed the remainder of the bill of $3,500 (again, it's the first one I have ever received) to the travel agent, who will send it to the company from which I bought travel insurance. I won't be paying a cent. The travel insurance carrier has already reimbursed me for the cost of the cruise.
I will always purchase travel insurance for any big trip I take!