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The real question to be answered is why didn't Ms. Burke, knowing that she would be engaging in a very risky activity in the States, purchase insurance to cover her expenses should she be injured? Does she belong to an association which carries insurance for the members? You are wrong about the number of Canadians coming to the US for health care. When I was at the UNIV. of Michigan, about a third of the patients in their very large medical facility were Canadian. Cities like Buffalo and Rochester would be ghost towns if not for the Canadians filling the hospital beds in those cities.