Dan took a fall at home and fractured his hip a few months before a long-awaited cruise to Alaska, USA. During rough weather at sea, Dan had another fall and broke his hip in a different place.
Rick was initially treated on the ship, but was then evacuated to a hospital in Anchorage and, once he was stable, transferred to LA for surgery. All up, Dan owed $120,000 in medical treatment and a further $70,000 in medical evacuation costs.
Due to the pre-existing hip injury his insurer refused to meet these costs, so Dan had to settle the bills by mortgaging his house.
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