Medical insurance comes for "free" when you pay for a trip (e.g., airfare or hotel) using certain credit cards. My Visa gold card has an annual fee of $99, and covers out-of-country health insurance, rental car insurance, trip cancellation insurance, and more. If something I purchase by credit card is stolen or lost, I can get it replaced. Warrantees are automatically extended, too. There are restrictions, of course, but so far, it works for me.

The first time I paid for an out-of-country trip using this card, I was in the USA and got sick. I was rushed to hospital by ambulance, and spent six hours in intensive care. The bill came to about $2000, but the insurance paid the whole shot.

$2000 is roughly twenty years worth of annual fees, so it seems like a bargain to me... provided I pay my monthly credit card bills on time.