Minnesota man landed with $47K bill as Caribbean cruise dream turns into nightmare

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Minnesota man landed with $47K bill as Caribbean cruise dream turns into nightmare

A Minnesota man who fell ill with influenza during a Caribbean cruise was later landed with a medical bill totaling over $47,000.

Mike Cameron and girlfriend Tami Masterman — both of Braham, Minnesota — won a weeklong Norwegian Cruise Line trip that left Miami on Jan. 5, a trip that took on celebratory significance after Tami successfully had a cancerous mass removed from her lungs in October 2024.

But according to a

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set up by Cameron’s daughter, Krystal, things took a turn for the worse when Cameron fell ill and needed to visit the medical facility on the giant, 4,000-passenger Norwegian Encore cruise liner.

Cameron’s condition worsened, with his oxygen levels dropping significantly, requiring a trip to the ship’s ICU. The couple was told Cameron was diagnosed with Influenza A and “possible pneumonia.”

The couple claims that during his stay, Cameron had a catheter placed “incorrectly,” and also had x-rays taken with IV medications provided.

Tami Masterman (left) and Mike Cameron.GoFundMe

Cameron ended up spending four days in the medical ward, even though after the first night’s stay, he claims he felt well enough to quarantine in his room. He asked to be released each day but medical staff allegedly refused and wouldn’t remove his IV or catheter.

The couple were reassured by Norwegian Cruise Line’s medical secretary that they are “covered for $20,000” after purchasing traveler’s insurance. However, Cameron received a medical bill on the final day of the cruise for a total of $47,638.79.

“Norwegian Cruise Line took it upon themselves to max out both of their credit cards that were on file, totaling around $26,000,” the fundraiser post adds.

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The Norwegian EncoreAndrew Bone, Flickr

Cameron’s daughter says neither their traveler’s insurance nor their personal health insurance will cover the medical treatments. The couple’s traveler’s insurance wants their personal insurance to pay first, but the insurance company apparently says it’s “abroad” and not within its network.

A GoFundMe was launched to help the couple out with the shock bill and ongoing medical expenses. As of Thursday afternoon, it has raised nearly $3,000 of its $10,000 goal.

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Norwegian Cruise Lines told Masterman that its pricing is “closely comparable to other cruise lines and is what we believe to be fair and reasonable.”

A Norwegian Cruise Lines spokesperson said the company was unable to share details of Cameron’s care due to patient privacy laws but added that its internal team reviewed his “necessary medical procedures and resulting expenses.”

“We are committed to providing quality medical services and each of our ships is equipped with a state-of-the-art onboard medical center, staffed with highly qualified physicians and nurses, to provide care for both guests and crew while at sea,” the company said in a statement. “We follow guidelines for our medical facilities provided by CLIA in conjunction with the American College of Emergency Physicians.”

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#Minnesota #man #landed #47K #bill #Caribbean #cruise #dream #turns #nightmare

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