In all of our cruises we have had to visit the doctor three times. Each time there was charge. Our medical insurance (Blue Cross) refused to pay each time. We appealed and got a partial payment on one of the charges.We found the charges in line with local office charges. As some other writers have suggested might be a good idea to purchase insurance before leaving. There is a site on the internet where you can compare several insurance/travel policies and purchase just exactly what you need,