This kind of "bug out" can happen with your KID in your arms. I understand how serious it can be, and how possible it can take place any time. So, keep a "kit" in your vehicle including money . Why wont you leave some cash in the car ?? If someone steals your car (worth hundreds or thousands of $$$) , it wont hurt you much more that it had some $50 hidden in it.

I do hide a few $$$ in my car, shhh .. don't tell anyone !!!

And BTW, this type of "hole" in any emergency plan we may draw strengthens my belief in the "cache" idea , which I can rename multi-BOB or multi-KIT system. Where you have backups here and there. OK, you wont have one hhidden in a clinic , but one in the car, another in your office or gym locker ( including cash too) , and so on. You never know when you need that $ 50, and your workplace is only a walking distance from where you are.