sorry, I know I didnt write that very well, I just wanted to do it before I forgot, to make sure this couple thought about the whole insurance thing.
many years ago, maybe 15 at least, someone I knew went to San Francisco, rented a bike to look around, but had a little fall. Had a little hairline fracture in the wrist somewhere, so x-rays, cast etc, but no overnight or anything, and if I remember properly, the bill for that was $7000.
No reason to be sorry. Very sound advice actually. Not entirely clear to me if purchasing trip-specific insurance is the way to go vs getting a platinum credit card -- they usually provide travel insurance. I must admit that I've never looked at the details.