Also note that the Emergency Medical and Dental coverage (at least on the CSR) has this clause about hotel rooms:
If You are hospitalized as a result of a covered accident or sickness during Your Covered Trip, and Your attending Physician determines that You should recover in a hotel immediately after Your release from the Hospital before returning home, You may be eligible for an additional benefit of seventy–five ($75.00) dollars per day for up to a maximum of five (5) days towards the cost of a hotel room.
So if the situation results in actual hospitalization, and then you are told to recover in a hotel after discharge, some reimbursement applies for up to 5 days.