I did not anticipate a visit to the emergency department on our March visit, but it happened out of the blue. Diagnosis was a stomach virus which was completely gone within a week and the vacation continued. I submitted my claim to our travel insurance provider when we returned to Canada, the total claim was for $2949.74 CAD. I received an email today advising me that they covered everything down to the penny. Didn't expect to need to use Travel Insurance but I'm sure glad I had it.