I've gotta agree..This is just my story...so take it for what it's worth:
I dislocated my shoulder and tore my labrum completely off about 18 months ago. Trip to Sydney, Hotel, Surgery, and Hospital stay all covered. Yes, I'm American and am covered by BUPA Intl and I do have a $5 mil lifetime coverage.
And I'm almost positive no hospital in the USA would turn away anyone in need of life threatening medical assistance.