I also get what folk say about requiring people to have travel insurance, and it might have helped here, though there are so many conflicting accounts it's hard to be sure. However, in most of the cases we see here requiring "Go Fund Me's", travel insurance wouldn't work anyway. Take the most common cause of tourist hospitalisations that make the news, motorcycle accidents. Insurance only covers you if, 1). You have a licence or certificate that covers you to drive in your home country. 2). You're wearing a crash helmet. Sadly, the first time many of these plonkers have been on a bike is when they arrive in Thailand. Many other non motorcycle claims would fall on grounds like excessive alcohol, drug consumption or risk taking. Travel insurance is a good thing but it's not idiot proof.