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Here's an anecdote illustrative of maybe nothing but this one instance.
A couple years ago I went with my wife and kids to London. Stayed in an outlying part of the city (the Docklands) on the way to the National Observatory.
First morning, my wife wakes up with an awful toothache. The vacation looks doomed. I look in the phone book...find a nearby clinic...we walk over and give them our name.
After about 10 minutes the receptionist says, 'the dentist will see you now'. The female dentist is excellent...solves the problem (with a permanent solution prescribed for when we get back home). We pay the (extremely reasonable) bill and are on our way.
No insurance required. We're not even citizens of that country.
You may say it's one in billion...but it worked like a charm that time.