Well never had an incident on a cruise, I did have a problem at a resort in the DR. 2 hours ride in a fake ambulance to the nearest hospital (a poor clinic here in the USA) and $3000 to leave said clinic later. If you have medical problems, be concerned about where in relation to your resort good medical care is. If this had been a heart attack or something more serious than a broken foot I am sure my daughter would have died. Also if your younger family is traveling in one of these places, be aware that the payment is required on the spot. No waiting for insurance authorization or travel insurance. Make sure they have a credit card with substantial charging power. If you have an extended stay I imagine things can be arranged. But for a broken foot they would not let us leave the hospital without paying.
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