My wife and I and my brother in law was on a cruise. My brother in law woke up the first morning on the ship and was very sick. Ship's doctor did what he could and transferred him to a hospital in Nassau. Wife and I followed along. He was taken care of and we flew home after 4 nights.
Wife and I paid for his cruise and all expenses in relation to his medical issue, stay in Nassau and flights home.
When I booked the cruise I bought travel insurance for each of us, not knowing that I just could have bought one and it would cover all of us.
So the question now is which of our insurance policies should we file the claims? Should we put it all on one, and should it be his or one of ours? Or should we file a claim for each of us, or maybe one for him and one for us?
We called the number on the insurance papers and they seems to either not know or be reluctant to give us the info.