Hmm, I haven't been living in America for a long time, but I've heard that some insurance programs cover expenses outside the USA. But I know that there are special travel insurance policies. I am from Europe myself and I heard a story when a tourist in Germany or Austria looked at https://www.oebbfahrplan.com/de / schedule and realized that the train was moved. He decided to walk around the neighborhood and somehow wandered into the woods, where he was attacked by a wolf. He managed to escape but needed treatment. His treatment was covered by travel insurance. I really don't know how true this story is, but I'm sure you can find something similar in the country where you are going to go.