Having that kind of insurance is a capital idea. Many people seem to think accidents, catastrophes and other hazardous visitations always happen to some other persons, not to themselves. The thing is, to everybody else, you , we, I are those other persons. Traveling and living overseas as I did for 12-13 years, I encountered 1 train derailment. I survived it. Eighteen were killed and 70 injured. The injuries were severe mutilation and dismemberment. In Yemen where I was, near me were one attempted assassination of the British deputy of mission in Sanaa, lethal riots, marches, demonstrations and one mass murder killing 50 people and wounding about 300. In Kuwait I worked for the ministry of defense. We had 25 teachers. Two were killed in traffic. Seven to ten others were in accidents of varying degrees of severity. Donald Viner, Shaddy from Egypt, Moosa from India and I were smashed into at a high rate of speed. It was a serious wreck. In Riyadh there were about 15 actions by people in vehicles to run me down deliberately in the street.
There were many other incidents. Problems definitely come along. Certainly, every day, people traveling the world need insurance to cover the costs of the exigencies of an uncertain world. I did a lot of bicycle touring in western and eastern Europe and the former Soviet Union. I did a lot of train touring around Europe by Eurail. Personally, I did not carry insurance in those days. I read too many Superman comic books when I was a young, pliant, impressionable little boy. I grew up thinking I was invincible invulnerable. Besides that, I could not afford it and played the odds.
