Thank you for clarifying! I’m just so confused. I never purchased insurance in the past but now that we are in our 50s it’s been something we’ve been thinking about. We are both pretty healthy with no underlying conditions. Our insurance through employer says we would be covered for emergencies/medical evacuation on a case by case basis. We are not concerned about loss of trip cost as we do travel a lot but as you said most of our trips are inexpensive. The medical is out only concern. So not sure if we should purchase a plan on top of our primary insurance for extra protection as “covered on a case by case basis has me wondering what that means exactly. If I fell and broke my leg on the ship, would that not be considered a medical emergency? The agent at Aetna could not give.me an answer 🤦🏻♀️