Yes, travel insurance is worth carrying for a trip to Oxford, Mississippi, home to the University of Mississippi, better known as Ole Miss, and the honest reason is cost rather than any unusual danger in this college town. US hospital care is excellent but expensive, and that gap between quality and cost is the real case for coverage on a trip built around campus visits, game days, or academic events, even for visitors who otherwise consider themselves low-risk travelers.
Oxford has local hospital services for routine needs, but for more serious or specialized care, the practical referral point is Memphis, Tennessee, a larger regional medical hub roughly ninety minutes north with considerably more hospital capacity than a town of Oxford's size. Confirm your policy covers treatment and transfer to a larger US facility rather than assuming Oxford's own resources are sufficient for anything beyond routine care, particularly around a busy football weekend when local facilities see heavier demand.
Most visitors are here for Ole Miss - campus tours, football weekends, or family visits - and the insurance question for this kind of trip is less about activity risk and more about the plain cost of American healthcare for anyone without US coverage. A routine urgent-care visit or emergency-room trip can be a real expense, and a policy that settles directly with a provider spares you from paying upfront in an unfamiliar billing system, which matters more than most visitors expect before they arrive.
Keep any clinic or hospital invoices and receipts for prescriptions or follow-up care, since US providers generally issue detailed billing on request. Check whether your existing health cover extends specifically to the United States before you travel, and confirm whether your policy pays providers directly or requires reimbursement afterward, since that distinction matters more here than in most other destinations.