He who never thinks of anything as 'mine' does not feel the lack of anything: he is never worried by a sense of loss.
-- The Buddha
A minor incident like this can cost thousands and ruin a once-in-a-lifetime vacation. A major incident, such as major injury or illness in a country with no access to reasonable English-speaking medical assistance could be life threatening as well as financially disasterous.
International SOS exists specifically for this purpose, providing 24/7 emergency care, emergency evacuation, and many other services. Their international staff of medical and security personnel, aviation specialists and trained operations coordinators provide the care needed for any problem you may encounter while traveling. Since 1974, International SOS has performed thousands of emergency evacuations and helped millions of members.
It's not worth taking chances when sound assistance is available. Most travelers are unaware of the services available through International SOS but they can really make the difference if something goes wrong.