I mean, is not a bad idea. Albeit limited... Tourist (visa) only and if not breaking the law (helmet law, traffic/maritime law, etc.). What they should do... When you look at who is being hurt and dieing... It's mostly those engraged in adventure activities (motorcycles, boating, etc.)... Just require the outfitters to make all foreigners buy supplemental insurance at the POS (non waivable). Like when you rent a car, but without the ability to take a waiver. Then your risk reduction is properly focused, and the pool of payees captive. Given the numbers (total payees vs payouts), insurance underwriters could make a bundle, and you only make those most at risk pay-in. Just a thought.