This company has been our worst nightmare! Purchased trip insurance through Royal Caribbean. Aon was their carrier. During the December Christmas cruise - 3rd day out - I was diagnosed by ships Dr that I had heart attack. Because of Aon's past very poor service, the hospital/Drs in Dominican Republic wanted payment for all services UP FRONT. Upon returning to United States and Drs here diagnosing no heart attack. My husband filed our expensed out of pocket (roughly $20,000). 5 months later we still have no reimbursement have filed and refiled our claim at their direction. NOW they want us to file with Medicare and Tricare for the out of country charges!!! This is insane!!! Medicare and Tricare will never pick up foreign medical expenses. They make that very clear.
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