What risk would I take to not bother with travel medical insurance while abroad?

Double check with your medical insurance company to see if they cover medical expenses while out of the country – many policies do. In the event you need to see a doctor while outside of the country, you will more than likely have to pay the doctor up front, but then the insurance company could reimburse you for what you paid.

Your risk of traveling without insurance is like having no medical insurance at all – you may not see the doctor whatsoever and end up paying for insurance you didn’t need, or you could run up huge medical bills and not have any way to get them paid.