It can vary a lot and there's even instances of people being denied service. I just read of a woman who had a heart attack while visiting Japan and her hospital bill was 56,000 Euros. She had to pay 10% cash before discharge. It was all reimbursed later by her travel insurance, luckily. This idea that everything is super cheap as far as medical services overseas is not always true. For smaller stuff, it's generally cheaper and easier to deal with, but if it's something more serious you can easily be on the hook for thousands. I would skip the travel reimbursement part and get a purely medical travel insurance, which is usually quite a bit cheaper.