Yeah insurance won't cover that. Which is why I'm kinda glad I didn't go to Japan that one time cause that's when lung collapse 2 happened. If that happened over the sea in the sky while in the plane? Landing would've been the worst and hospital stay my word...though my friend was in the Navy at the time and said he would've got me on the base hospital. So insurance would've covered. I still dunno I think it was good I didn't go and saved me.