Wife got sick halfway through a Viking river cruise. Since they have no doctor on board they radioed ahead to the closest hospital and arranged where the ship could dock and have an ambulance waiting. Long story short, 7 days in Rotterdam hospital who made direct contact with my travel insurance company. I never saw a hospital bill. They then purchased a ticket to fly us back to the US upon her release. The travel company was Allianz. A very large company - DON'T BUY FROM THEM!! I fought for over 6 months to get the trip interuption, excursions, etc. reimbursed.
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