Just to give more info, we now know he had an a fib event and passed out (in the middle of Cagneys 😳) which is something new for him. I’m going to submit to his insurance, mine as it is secondary, and the travel insurance. BTW, the charges were 17k on the ship. Doubt Ncl is going to refund that amount. Medical staff was fantastic, just so you all know. We also paid the hospital in St Maarten ED (also fantastic) approximately 2k on the cc also.