Or (to add to what Sandy stated) they heard you ask them if they have coverage in San Juan (which they do) but they failed to tell you it was not included in their plan. I would call them and complain... it most likely will get you no where but maybe they will waive the fee....
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Carnival Cruise Lines:
Fantasy 90, Celebration 95, Victory 05, Conquest 05, Spirit 6/06, Freedom 6/08, Holiday 7/08, Victory 6/09, Valor 9/09, Dream 6/10, Splendor 8/10,Conquest 8/11,Magic 11/11,Triumph 4/12,Spirit 7/12,Freedom 11/12, Triumph 2/13 - The fire cruise
NCL Dream October 2006, RCCL Mariner OTS June 2007
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