I have been travelling soon 3 years and all the time with travel insurance.
In Indonesia I had accident with truck, broke both of my hands and one arm.
Hospital in Indonesia could not fix my broken wrist because it was too badly damaged, so I needed to fly back to Europe to get it operated.
My insurance company (ADAC) paid everything, even flight back to Europe without any problem.
You do not need to make mistake, it is enough that someone else does something stupid... So, my warm recommendation is to have travel insurance  
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