Let's use an example...

Mr. and Mrs. Flyalot were vacationing in Puerto Vallarta, Mexico, when Mr. Flyalot fell on a crooked sidewalk and fractured his hip. In order for Mr. Flyalot to receive appropriate care for his broken hip, he had to be air-evacuated to Miami, Florida (cost: $8,000). To allow him to lie down on his flight home, extra seats were purchased (cost: $828). The doctor's bill from the Miami hospital was $876. In the confusion, while trying to comfort her husband, Mrs. Flyalot dropped and broke her camera (cost: $500) and left her purse behind, which contained her airline tickets. When she returned for the purse, it was gone (cost: $50 airline ticket reissuance fee).