My wife woke up with excruciating pain in her knee, accompanied by swelling and warmth - usual sign of infection.

Exam, MRI (ships have portable units, who knew) and blood work eliminated any infection. It showed severe detestation of the patella. Pain meds were prescribed.

$3,100.

We had travel insurance. Contacted insurer who outlined the steps to follow.

Contact primary insurance.

Take response from primary and contact secondary.

When those two have completed their work, bring results to travel insurer.

We are still in the second phase of dealing with our primary.