Please keep us posted on your recovery and also your insurance dealings.
Knocking on wood, we've never had to make a travel insurance claim, so we've depended on the advice from others.
Next month, we will visit Nova Scotia on a fly/drive tour purchased from http://www.maxximvacations.com/ Instead of our usual Travel Guard insurance, which charges on the basis of trip cost, we insured with http://www.statravel.com. STA's primary business is bargain student travel with offices on many US college campuses. Their travel insurance is based on days traveled instead of trip cost, and the fee is markedly less for substantially the same coverage as Travel Guard and other traditional insurers.
According to the policy info, STA insurance is administered by the same Berkely Care as your coverage which is why we are especially interested in your insurance resolution.
Be well soon, Jerry in E TN, USA