@Walter Hinteler,
No problem, Walter. We have just traveled to Europe once in our lifetime. I recall wondering what would happen if any of us got sick or something, but we were fine. We have relatives where we visited, and I just figured that if we got in dire need of something, they could probably tell us what we needed to do and it would work out, but likely we wouldn't need it, and we didn't.
Incidentally, I have had to use my insurance recently here a bit more, and I could not be happier with the medical care that we have received. The service has been top notch and extremely prompt, amazingly prompt in fact. As a matter of interest, my brother has also been in need of extra medical care recently, and his care has been totally and completely top notch and extremely prompt. In his case, perhaps it has been helped by the fact that he was a medical doctor his entire working life, and he had developed friendships and trusts with some of his colleagues. He would refer patients to specialists that he respected, and some of those same people are now probably going the extra mile for him.
Another little tidbit of history, when my older brother was only a year old, my parents took him to Denmark to stay a few months with my Dad's relatives there. My brother developed a bad cold that went into pnemonia. It was 1938 or 1939, and they received word that they should go home immediately, because Hitler was making bad noises about things right then, including invading Denmark, as you would know well. They caught a ship to England, but the ship to America would not allow them to board because of my brother's illness. He was hospitalized in South Hampton, and my parents were given housing and hospitality by complete strangers living there in South Hampton. Back in those days, the hospital would not allow any visitors, including parents, but my Dad finally said they were going in to see their little boy whether they liked it or not, and boy was he happy to see his Mom and Dad. Anyway, he got better and they returned home. I don't recall what they said about the cost of the hospitalization, whether they were charged or not?