Glad your hunny is doing well. Although I wrote very briefly about it back in January when it happened, I too fell off the wing. While deplaning I missed the step and fell flat on my back. My immediate reaction was to move my legs around and flex my hips, which were fine. The incident resulted in immediate spasm of all my lower back muscles, which eventually cleared up about four weeks later, but not without considerable discomfort. I have a friend who is an orthopedic surgeon and I visited him to get everything checked out. Only through the grace of God did I not break something, especially since I have severe osteoporosis (T -2.5).
As for insurance, last month I learned the hard way that it is a necessity. Exactly 24 hours before my wife and I were to depart for a week in St Maarten, I got a call that my 93 year old dad was in the hospital. American Airlines wasn't terribly sympathetic to my woes. Lesson learned and for now on I will purchase coverage for the non-refundable portions of trips, which isn't terribly expensive.