After the Event Medical Expenses means: medical expenses incurred as a result of a covered loss after returning home to the address stated to Us by the Insured at the time of taking out this insurance for medical physician ordered services, approved medical therapies, medically approved alternative remedies and treatment, PFO tests, and PFO closures when deemed medically necessary and subject to them not being recoverable from any other source. other agreed medical and surgical procedures required as a consequence of the injury claimed for under this Policy that are covered by another source but are accepted by the Insurer and/or its Claims Administrator as being unreasonably delayed. fitness to return to diving examinations following a covered loss under this Policy by an approved diving medical physician agreed by the Insurer and/or its Claims Administrator.