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To be honest, I am slighty scared to travel to the US now - knowing that should the unfortunate occur, I might still be liable for thousands regardless of travel insurance.
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Scared? I think a small bit of care and precaution should be exercised no matter where you go.... but I don't think it's a reasonable way to feel about traveling to the US or any 'developed' country- the odds of something happening are slim (unless you're accident-prone
)... I mean, you might as well be scared to come over here because you might get mugged! Better stay home.