I tripped on the stairs inside the Panorama during our January Mexican Riviera cruise. I braced for the fall with my hand and landed on a piece of broken wine glass jammed in my palm. Medical center xrayed and stitched me up. They charged me $383. I have Alianz insurance, but they are 2nd payers, so I filed with my Medicare Advantage plan against the Global Emergency benefit ($200 copay). That coverage was denied because the ship's doctor (or admin) did not provide ICD codes, only verbal diagnosis, procedure names, and suppliees . I have filed with Aliianz, but haven't heard anything yet. I'm afraid they won't pay without ICD codes either.
Make sure you get ICD codes and doctors' names.