WARNING - LONG STORY
Been there, done that, NEVER want to experience it again.
Disney Magic, Feb 2005 - my 8 month old caught a virus onboard. My hubby found her not breathing, seizing and BLUE in her pack n play in the cabin.
Let me start by saying that the medical team on Magic is WONDERFUL! Yes, it was rough on them because the baby was so young. They had to intebate her and start an IV...on little veins it's really tough to start an IV, especially on a seizing baby so I give them all of the credit in the world.
We were due to dock at Castaway Cay that morning but the captain tried and tried, the ship kept turning sideways.
At the time I was being told to grab our documents and a few clothes, we would be evacuated onto a boat that would take us to Nassau. And in Nassau we would go to a military base where we would take a military plane back to the US.
So my friends grabbed some of my things and shoved them in a bag. A few hours later, the captain decided it was too dangerous for the baby to be on a small boat without medical attention back to Nassau. So he said he would take the entire ship back to Port Canaveral early.
The second we docked at Port Canaveral, the medics boarded the ship and rushed us right off to Port Canaveral Medical Center.
We missed our flights because we weren't cleared to fly for 2 days
We had to stay in a hotel in PC.
So - what was the cost and were we insured?
Yes and no. The Disney Magic cruise was a back to back with a week in WDW. I booked it through a
travel agent (not direct with disney). I told the travel agent I wanted the trip COVERED.
So while onboard - we had to pay off the medical charges before disembarkation - almost
$3,000 (god bless credit cards)
US Air - since our flights needed to be changed ($50 change fee pp) and the new flights were $200 more per person - We had to pay $250 times five of us....
$1,250 - ON CREDIT CARD before we could get the new tickets to get home.
We had the hotel room charges.
The Port Canaveral Medical charges - PAID for by our personal health insurance - with the exception of $100 for ER and $500 for ambulance.
So how much did insurance cover? Almost NONE of it. At first they wouldn't cover anything. They said we needed letters from the ER doctor at PC medical center. The PC med center said their docs can't write letters.
My TA (who is NOW no longer my TA) - DID NOT LINK the
Disney Cruise Protection with my airfare. So, the new airfare NOT COVERED.
I told my story 2 years later on Cruise Critic and after they pushed me to move on it, I ended up getting back about $1,200 from the Disney Cruise Protection company.
So now I get my own trip insurance and I make sure the ENTIRE vacation is covered. From flight out to flight home and everything in between.
And the "little baby" is now 4 and booked to go on Disney Wonder. Which is her 5th cruise...but the first time back on a Disney ship since she got sick 3 years ago.