Like many I have purchased trip insurance many times and have never had an occasion to need it. Thank goodness, but you do wonder if it will actually pay off if needed. IT DOES! I got very sick on a Norwegian Coastal Cruise and was taken to an emergency room in a small town. The charges were very reasonable, the cab to and from the clinic were more than the visit and medicine but my insurance paid it all and very quickly.
I had a bit more trouble with the trip interruption (because the ship didn't keep records of quarantine time, I didn't know to ask for documentation while on board) in spite of that the c.s. rep did all she could to at least get a check for the day I spent off the ship and in the clinic. The rep was patient, understanding and gave me a very good understanding of what to do when you have a reportable incident.
Pamela H. would recommend this plan to a friend or relative.
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