[cascom]

The parent is referring to known condition vs an unknown emergency event.

As an analogy in the case above the car owner is having their insurance company pay for their gasoline - where you are referring to an insurer paying for a car accident.

[lotsofpulp]

Yes, it is difficult to pin down an exact definition of insurance in cases where the cost is all but guaranteed.

I can see their point now, but at the time I was thinking relative to other taxpayer funded healthcare systems.