When I look for travel insurance I try to find ones that are marked primary. May cost a few dollars more
but I do not have to worry about filing with others first. Had a visit to the Carnival Panorama Medical Center which ran $600. Filed a claim was was paid within a few weeks. Had to send in a copy of the on board bill plus the medical report which I received from the ships medical center.
In Juneau there is a pet a bear cage right next to the hug a timber rattler pit, which is across the street from the kiss a electric eel tank. Any local should be able to point you in the correct direction.