That quote above is a bit surprising to me. How do the countries check if a traveler has insurance? I’ve entered Ecuador in February 2019, and nobody asked me to show any proof of any insurance. I’ve also visited Europe in 2016 and 2017 on several business trips and again, I was never asked to show proof of any insurance. I’m a EU citizen, and was based in the US at the time. Now that I think of it, I’ve never had to show any proof of insurance anywhere I’ve traveled, and I’ve never had travel insurance outside of what the credit card I had used might have offered.