A couple that was on a cruise with us had to use the ship's doctor for a jellyfish sting that she got in the most intimate area. I know she said they accepted her medical plan. But how it turned out between her and the insurance company I don't know. Knowing insurance companies nowdays, I'm sure she got nailed for going to a out of network doctor. On our last cruise last week, I saw the sea sick patches in the ships store. But since everything in there was marked up 2 or 3 times, buy them at your local Wal-Mart before going and use the savings to buy the two of you a drink when you get onboard.