Ready - I'm no insurance expert, but I believe a either insurer could either directly pay the medical facility or the insured. Many US employer's health policies do not provide coverage when traveling internationally (unless for business purposes.) That, plus the cost of items such as medical evacuation and cancellation issues.
A Bad Day At Sea [with power] Always Beats A Good Day At Work
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012, Dream 2013
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Princess: Ruby 2010, 2014, Caribbean 2013, Coral 2014