My Mother in Law got sick on a trans-atlantic cruise. Was taken off the cruise ship in Italy to the Rome American Hospital where she was there diagnosed with brain cancer. She purchased the $79 cruise ship travel insurance which was On Call International. They had a nurse fly to Italy to deal with the hospital, arranged her flight home to her HOME hospital, flew with her to her home hospital, had an ambulance waiting at the airport to take her to the hospital and stayed at her home hospital with her until she was all checked in and in her room. The nurse took care of EVERYTHING....no details for my MIL to worry about. All included in the cost of the $79 plan. I will never travel with out travelers insurance again.