Where do you buy insurance from, well specifically for cruises? I honestly have no idea. A friend of mine was on a European cruise - her husband had a bleeding ulcer - and they ended up in the hospital. But she was glad she had insurance!! I have heard you can be stuck with a bill of 100k or more if you require a helicopter to rescue you off the ship. Also, is it true that if you are in a foreign country - and need emergency surgery - they won't do it unless you have $$$$ right then and there? I've heard of people having to call people in the states to wire them the $$$$?