Our secondary insurance will cover health needs out of
the country and you must pay the bills where you are
and bring the receipts home with you. This also
applies to ships carrying a foreign flag (most of them
do) even if they are in US waters.
The full cancellation insurance is a very good idea, but do read all the fine print and even call them for expanded knowlege BEFORE you purchase it. Having never collected from them, thankfully, I don't know the process or the time limit on pre-existing conditions, but there is one.