Yep, but sometimes its too much trust (yeah...) with insurance companies. A lot of due diligence is necessary and even then...
Suffice to say, most people are lackadaisical about coverage, getting paid, and taking some risk.
At their age, they should have medical airlift insurance. Maybe everyone should consider it depending on the price.
Insurance is pretty cheap if you prorate it. Mine was $450 for 7 weeks in Europe last year and made sure it wasn't crap insurance. Per day, it's peanuts and was 1,000,000 coverage. Even that might not be enough, but you roll the dice.
The details of all these cases seem to be murky and not much information is provided as to why they are in their predicament. Clearly, they were not prepared.