On our Thanksgiving cruise on the Nieuw Amsterdam, my husband fell down a short set of stairs on the way to muster. He grazed his head on the stair post and obviously was sore from the fall down to the landing. The muster official immediately called for medical aid and he was transported to the medical area where he was treated. we got a nice bill (and 6 or 7 chocolate covered strawberries), and then a $28 charge to get medical records. Thankfully our TA had offered free travel insurance. We submitted a claim right away when we got home, but it still has not been processed. We'll see. My husband is fine, and I'm glad we had insurance.