A new survey from Bank of Montreal says the vast majority of Canadians don’t buy travel insurance before going away.

Yet 40 per cent of respondents say they or a travel companion have required medical attention while on vacation.

If you break a leg while travelling in the U.S. without insurance, it’s going to cost you somewhere in the neighbourhood of $20,000. An air ambulance from Florida to Ontario will set you back about $15,000.

“I do buy travel insurance,” one man at Yonge and Bloor told 680News. “I think it’s important that you’re covered wherever you go and if you buy travel insurance, that’s taken care of for you. You don’t have to worry about it or argue about it later.”

Another person wasn’t so smart.

“I don’t buy travel insurance. Just because I don’t think it’s that much of a risk while I’m away for such a short period of time. Nine times out of 10 you’ll be okay, so I just kind of risk it.”

The survey also shows that only half of those asked knew that they would have to pay any medical expenses on their own.

Twenty per cent thought the government would foot the bill, while 11 percent thought their workplace health care would pick up the tab.