Buy. The. Insurance. Seriously. Buy It. I'm obviously a bit biased since medevacs are what I do, but we don't come cheap. Anticipate about $7-10K per loaded flight hour. Europe to US can easily hit 80K. Get hurt in Australia, and it might top $200k to get you home. You might think you can just hang out and recuperate there, but that may not be an option. What if you're no longer capable of making that decision and your family wants you home? I transported two patient like that just this month. One had a severe stroke while on holiday, the other was in a horseback riding accident. Don't make your family be the folks holding fundraisers at the parish church. Buy the insurance.