My spouse had a patient who fell on a cruise ship, fractured femur, tibia. Between the on ship care (paid immediately before the improper cast over 3” thick), the med flight paid before pickup, off the ship. Flight back to the states, was $110,000. No insurance. Then the poor lady had to endure 2.5 hours cutting off the cast (if casted properly 20 minutes tops).
Our friends have had two episodes on cruise ships, insurance was purchased through Costco, which both have said has better coverage than any insurance they have purchased.
All bills on ship, flight, had to be paid immediately, so they use AmEX because high limits is preferable. Then bills submitted to insurance. Their recoup was 81%, and 90%.
Travel insurance personal will only give a vague answer, since any questions will be hypothetical issues
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Do not worry about things you can not change 
Last edited by asianthree; 02-09-2025 at 07:00 PM.
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