My injury of falling on the steps of the deck with no staff to attend to my injury a gentleman had to leave his wife to get help for me his wife was

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May 29, 2019
My injury of falling on the steps of the deck on Carnival Cruise Line with no staff to attend to my injury.
A gentleman had to leave his wife who was sitting in a lounge chair next to were l fell to get help for me.
When finally a member of the staff did arrive l was placed in a wheelchair and escorted to the medical center after repeated X-rays the doctor recommend l see my primary physician as soon as l returned home as he didn't feel comfortable with what the x-ray showed. As l was wheeled out of the medical center the nurse handed me a bill of over $300.00 and told me if l submitted the bill to my insurance company l may or may not be reimbursed. The reason for the cruise was to celebrate my mothers 83rd birthday with a full calibration at dinner, but because of my injury l was unable to walk so my family decided to cancel our family dining celebration.
Can someone please help with any advice In how to move forward to obtain a resolution with Carnival Cruise Line as they have refused to acknowledge my complaint.
Jan 30, 2018
Did you fall because of some obstruction or problem with the steps? If that was the case, I would expect that Carnival would pay for the onboard medical expenses.

I know it is too late now, but why could you not attend the dinner since you could have been transported to the dining room in a wheelchair and you would have been seated for dinner?
Jul 13, 2016
Did you have trip insurance? If so, you can put a claim in for the $300. If not, then your own US based medical insurance might pay for the ship x-rays.
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Neil Maley

Staff Member
Dec 27, 2014
New York
I’m not sure what resolution you want. How did you fall? As LD asked, was there something on the steps that caused you to fall? If not, it’s not Carnivals fault you tripped - it was an accident. Things happen.

You should submit the bill to your travel insurance company. That’s exactly what travel insurance is cut.

I also don’t understand why you couldn’t have gone to dinner in the wheelchair. Or celebrated another night. Did you pay extra for the restaurant you were to eat in and Carnival wouldn’t refund the charge?
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Verified Member
Jun 30, 2017
Maui Hawaii
If you had travel insurance, that type of insurance would ordinarily cover your medical expenses. If you had only your regular health insurance, it usually WILL NOT cover your bill; there is however nothing lost by submitting your medical bill to your regular medical insurance if you do not have travel insurance. The worst that will happen is they will deny the claim. Most, but not all, US medical insurance plans do not cover your medical claims if you are ill or injured outside the US.

BTW, had you gone to a regular emergency department in the US, your bill would have been 4-6 times $300.
Aug 29, 2015
$300 for x-rays and a physician consultation doesn’t sound too bad. Please read the travel insurance policy you bought to determine if it is primary medical or secondary. If primary, submit the paid receipt and documents for reimbursement. If your travel insurance is secondary, you need to submit to your regular health insurance, get a denial of coverage and EOB, then send that to the travel insurance.

As for dinner, the cruise line should have loaned you a wheelchair for the rest of the trip, and you could still do dinner.

Accidents happen. Just because you fell doesn’t mean someone is responsible.


Verified Member
Dec 26, 2014
San Francisco
I'm glad to read that you weren't hurt badly. Did you think that the ship's doctor's services came without charge? The core of your issue is what happened, how did you fall, what caused it, why do you think the cruise line is responsible? All the rest of your post has no bearing on your case. Please let us know exactly what happened and perhaps we can help.
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Feb 12, 2019
$300 sounds cheap. After badly spraining my ankle on Royal I was adding it up and between xrays and putting on a temp cast it would have been way more than that! I injured myself during a Royal game so I never got a bill... and a year later I went on the same ship and they had drastically changed the game I injured myself on.

It sounds like OP was up on the pool deck which is an at your own risk deck with everyone going in and out if the water. I've almost landed flat on my butt several times on the pool deck. Usually once a cruise I'm pinwheeling it on the pool decks!