On my first cruise I met a young man in the elevator the first evening. He was very upset. He explained to me that his wife had just come from sick bay and they had $900.00 worth of medical bills and they had not bought insurance. Her problem:they thought she had eaten something that had given her a rash. Instead of going and buying some benedryl, they'd gone to have it seen about. We were close enough to Miami that the doc had "consulted" with a doc in Miami and had come to the conclusion that it was an allergic reaction and gave her an antihistamine.
If you ask me they were foolish twice.