[GpaVader]

We never had to leave the ship but I pulled out all my papers on it when it happened.

The first time we took the insurance, it paid for itself... My wife had a medical incident while the ship was out to sea, enroute to the first destination on the cruise. Basically, her blood sugar had bottomed out and she almost collapsed. The medics were called, they gave her some glucose but she was still a little thready, so they took her to the ships ER. They ran an EKG and didn't like what they say so they kept her overnight. The next day things were back in the normal range, and while she was a little weak they discharged her. The night she was in the ER I pulled all the paperwork and saw that they had a phone number to call for assistance. I never had to call it but I would expect that they would have made arrangements. What did happen is that I had a $10k medical bill I had to put on my CC and then submit both to my Medical Insurance and then the Travel Insurnace we took out. We had had to out of pocket the initial amount but between our medical insurance and the travel insurance, it cost us nothing but time and inconvenience... I always take the insurance now....