Yes, indeed. Americans are quite used to holding benefit concerts and the like for their family members and friends who don't have medical insurance and who get injured. We witnessed that when we lived in Houston. The brother of a friend of ours, who was a tree surgeon, fell out of a tree, broke his back and became a paraplegic. Yup, that took quite a few fund raisers all right.
x

I've been to quite a few such benefits here, typically I only realize that people I've known for yonks have no work permit when they get injured. I suppose if the OH were to have an accident we'd have to send her home.

Hi, I'm being a wet blanket again I know - but once you have been out of the country for a while (I believe it is 5 years) you are not entitled to NHS treatment either...

The person under discussion is American.

If that does not help to clarify dbd33's point for you, you are not alone.
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Yes, the owner of the pub on the corner of our street in Toronto was from London, when he fell down the stairs he stayed here and paid cash for repairs to his broken bones as, after a decade or so in Canada, he was no longer eligible for the NHS. There was a benefit concert to help him with the bills.
Similarly, when my brother fell off a roof in rural Ontario while doing some masonry work, he paid for the treatment by selling his van.

With regard to the OH, I just meant that sending her home would relieve me of the bill. Ironically I think she'd likely get free repairs in the US as her stepfather is a doctor in a VA hospital; immediate family are honorary veterans or something. Still, it'd be better if she'd register for OHIP as travelling with broken bits could be quite inconvenient.