Jennifer Huculak-Kimmel from Canada has a healthy baby girl, Reece, who is almost a year old.
Looking at Reece today, you would never know she was born nine weeks prematurely while the couple was vacationing in Hawaii.
"Well it's terrifying. You're on an island. You're stuck in the hospital. I wasn't even allowed to walk out of the hospital," said Jennifer.
The Kimmels went on a vacation in October of last year. A few days in, Jennifer's water broke. She was sent to Kapiolani Medical Center for Women and Children and put on six weeks bed rest.
Reece was born on December 10 and needed to be put in the neonatal intensive care unit for two months.
About a week and a half into her hospital stay, Jennifer was told she wasn't being covered by the Blue Cross travel health insurance she purchased prior to her trip.
The hospital bill: $950,000.
"That's why the denial was so surprising. We purchase insurance for these reasons, for when accidents happen and then when they get denied it causes quite a problem. We gladly paid our premiums. They should gladly pay the bill," said her husband Darren.
The Kimmels said Blue Cross told them Jennifer had a bladder infection that caused some hemorrhaging two months prior and she was ineligible.
"The lady that sold the Blue Cross to us...we questioned her and she said we were covered. And even after they denied us, we phoned her and she said you guys should be covered," Jennifer said.
The Kimmels says their doctor told them the bladder infection didn't have anything to do with the pregnancy and that Blue Cross didn't ask about any pre-existing conditions before they left.
Now they are slapped with nearly a million-dollar bill they say they can't afford.
"We probably lean more towards bankruptcy I suppose unless we can figure out another way. Other than that, I'm not sure," Darren said.