You can buy what they call zero band insurance. This is what it sounds like you want.

NO COVERAGE for cancellation but coverage for everything else the insurance covers it is VERY cheap. Lisa can give you a quote for the prices if you email her but the big risk for the insurance companies is the cancellation coverage they really throw the rest in free.

I had a $1400 bill on the Mariner in November from the doctor. My regular insurance did not cover me as I had not met my deductible. The insurance paid me the full $1400. I had zero band coverage for a cost of about $60 I believe. I also bought Med Jet about 3 years ago for a 10 year period. Not planning on slowing down my travel for the next 7 years.

Zero band is probably what you should be buying Marc based on your post. I think all travel insurance companies have it they just do not talk about it as it is so inexpensive and they do not get the big premiums.