Is it axiomatic that whenever a thread takes off a squabble will be forthcoming? And, that's OK as long as posts remain civilized. A modest degree of snark is inevitable.
Meanwhile, back at the ranch, for those referring to coverage "automatically" provided by AmExPlat and other cards, how exactly does that work? What sort of documentation is needed? How long is the process? How arduous or not is the process?
Even with specifically purchased travel insurance, applying for recompense often is a horror. Pay a gazillion dollars, then, if one has a claim, spend many hours substantiating same and negotiating the bureaucratic barriers ...