Just today I talked to an older couple here at the airport in Texas. The woman's sister had been here to visit, got sick and had to spent three days at the intensive care at the hospital. The bill was $15,000!!! She had travel insurance but they only paid half of the bill!
Please make sure that you have a good travel insurance.
On the other hand, when she visited her sister in Germany, she got sick, needed to see a doctor for a very sore throat and needed some meds, all she had to pay was $15!!! Without even having any insurance!
When I travelled to Germany last year, I followed Andrea's advice: I got several travel insurances: for medical needs, luggage (if stolen or damaged), rental car (if stolen or damaged), flight (in case if I had to cancel or change dates). Better safe than sorry.