The treatment would not be free. I tipped and fell breaking 3 ribs. The next day had X-rays paid on my folio and got reimbursed. Travel insurance does not cover medical at least mine doesn’t I was back at lunch same day broken ribs do not mean staying in cabin and even if it did it is not an interruption. I have been quarantined for Covid twice and you get room service for food and booze but you don’t get reimbursement you are still on a cruise