Everyone hopes to enjoy a healthy holiday vacation, without any tropical infections, injuries or mishaps on the ski slopes. But the truth is that illnesses and accidents can happen anytime, and emergency transport to a hospital by ground or air ambulance may be necessary. This can set the stage for financial disputes, as ambulance services that are outside of a health plan's network bill the insured consumer for the balance not covered by the insurer—sometimes very sizable bills, especially in the case of air ambulances.