Thanks, Pat. So many times I see people post that they don't buy travel insurance because they're "young and healthy". On one cruise, I saw a "young and healthy" man being evacuated off the ship due to a compound leg fracture he suffered on a shore excursion.
My health insurance doesn't cover air evacuation, and the medical coverage on a cruise ship or foreign country is vague and subject to interpretation. I just look at travel insurance as part of the price of cruising. And it's not that expensive when you compare it to a $25,000 air ambulance bill.