I'm looking at 2 different annual trip insurance policies.
One is an Allianz policy that includes $20,000 emergency medical coverage along with trip cancellation and trip interruption coverages.
The other is a GeoBlue policy that includes $100,000 medical coverage but no trip cancellation or interruption coverage
The costs of both policies are within a few dollars of each other.
Does anyone out there have experience with the cost of getting sick or injured on a cruise? Does it become instantly expensive or would $20,000 probably be sufficient in most cases?