The sad thing is that insurance companies hedge their bets against disasters like this happening. Nine out of ten times they don't and they just go on collecting their money. I know that is how it is with health insurance. We had to change providers where I work one year because we had a couple people that had major health issues. This pushed us over what they had figured and they were going to charge us more. I said "wait, isn't it your job to plan for this and cover this". It is sad that they only take into account their bottom line.