Well, I do feel sorry for the girl, but really have no sympathy for her plight. I'm in the travel trade and have come across this kind of thing time and time again. The common cry is - 'oh I never get ill'! Well sorry, but I didn't expect my daughter to get appendicitis in the south of France, but she did! And if I hadn't had travel insurance I'd still be paying for it , and that was 20 years ago!
Short sighted and idiotic not to get proper travel insurance in this day and age - it's about £20 to get adequate insurance for a fortnight, if you shop around.
Bear in mind travel insurance covers you not only for illness/accident on holiday, but if you have to cancel before the holiday for illness/accident, the death of a close family member, or whatever, which means you can't travel then you get your money back (less any excess of course) and can rebook when you are well again. It covers your luggage, money, legal expenses if you get into any bother abroad, etc etc.
By the way, starlight, no need for insurance within the UK for medical reasons - the NHS covers us all over the country - unless your household insurance doesn't cover your belongings when travelling, and I would always suggest it within the UK if you were going somewhere that was particularly expensive (ie 5* hotel for an extended stay) in case you aren't able to travel for the reasons above.