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Before I continue on I would like to direct everyone to my DISCLAIMER. Please read it before you read the rest of my post. I'll wait...
Great. You're back. Now back to my post...Keep in mind: THIS IS COMING FROM THE PERSPECTIVE OF A HEALTHY ADULT WITH NO PRE-EXISTING CONDITIONS.
When I lived in Africa (3 years), I went uninsured. While I was there, I was tested for malaria three times (never got it), suffered a horrible case of shell-fish food poisoning (the worst kind) and I battled one super nasty bout of dysentery (want to lose twenty pounds? That'll do it!). The malaria tests each cost me a whopping $1 USD (at the time) and - had I tested positive for malaria - the medicine would have cost something like $2 USD. That's it. When I got food poisoning I went on a drip for fluid and was given some sort of treatment (exactly what it was has since left my brain). Whole thing cost me maybe $15. When I got dysentery (a thoroughly unpleasant experience, I might add) I ended up in the hospital for two nights and received a bunch of IV's of fluid and a few handfulls of pills the size of cockroaches. Granted, the hospital's only toilet was a hole in the ground (again - thoroughly unpleasant whilst suffering dysentery and attached to an IV) but the whole ordeal cost me something like $100 bucks give or take. While I don't remember the exact dollars and cents, I do recall I had the money in my pocket to cover it all and I've never been one to walk around with too much money in my pocket.
What's my point you ask? Well, two things:
1) Tropical places are the experts in diagnosing/treating tropical disease and
2) Health care in many other countries is suuuuuper affordable.
The little stuff like bumps, bruises, cuts, infections, tropical disease and probably even a broken bone, I'll happily pay a local doctor to treat. The big stuff like transplants, transfusions, and anything that involves vital organs and/or your life hanging precariously on percentage points, well, I might want to be elsewhere.
What do you readers who cruise do for insurance? Do you take the gamble or are you fully covered? Anyone have any personal stories where D.A.N has helped out? Please share your thoughts and experience in our comments so we ALL can learn!