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$0 or $1 cruise cost

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I’ve seen people recommend using $0 or $1 as the cost of the cruise in order to get just the medical coverage on travel insurance.  Has anyone actually been reimbursed for medical expenses using those low figures?  

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As I understand it, a low value is used so the person gets the medical

benefits at the cost of receiving any reimbursement for the cost(s) of

the trip.

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