Isn't This Why We have Travel Insurance?

[david63]

https://www.bbc.co.uk/news/uk-scotland- ... l-66279104

If these people had travel insurance then they would not be faced with such huge bills and expect the general public to pay for it.

[Stephen]

I agree.
And what has ‘Ms Duthie, who recently completed a degree in social work’ got to do with it.

[Manoverboard]

It seems that the young lady had a serious pre condition regarding her kidneys.

I would suspect that she couldn't get any insurance cover in spite of her best efforts.

Question becomes therefore " Should she have travelled outside of the UK ? "

[david63]

It seems that the young lady had a serious pre condition regarding her kidneys.

I would suspect that she couldn't get any insurance cover in spite of her best efforts.

Perhaps not for that condition but, as I read it, the current problem is unconnected therefore she should have been able to get insurance. In any case you can usually get insurance for pre-existing conditions - albeit at a price.

Question becomes therefore " Should she have travelled outside of the UK ? "

No insurance, no travel - simples

[Manoverboard]

It seems that the young lady had a serious pre condition regarding her kidneys.

I would suspect that she couldn't get any insurance cover in spite of her best efforts.

Perhaps not for that condition but, as I read it, the current problem is unconnected therefore she should have been able to get insurance. In any case you can usually get insurance for pre-existing conditions - albeit at a price.

If her kidney function dropped too low then a coma can certainly arise, it is not at all unusual for pneumonia to kick in at this stage. The cause was therefore kidney related which in many cases is not insurable ... or so my bestest mate tells me based on his own terminal kidney condition.

[Mervyn and Trish]

Either way it's clear they don't have insurance to cover their current predicament. Of course if they failed to declare any condition, related or not, it would potentially invalidate any policy they did have.

[Ray B]

Last year we had six weeks on a cruise, which was a few days more than we could get an annual insurance for, and could not top up the days by paying extra. The cost would have been about £1000 for the two of us. We had to take a one trip policy out which came at £1200.
Are there special insurance policies for taking a world?
I don't intend to take a world and would never go abroad without insurance.
Our Annual policy with the bank this time is well under £1000.
Next cruise, 13 weeks to go

[Manoverboard]

For a worldie, or segment thereof, you need insurance to cover the itinerary. Usually Worldwide but not always. The tougher part can be the Visas and jabs, especially yellow fever which can kill you rather than protect you but only if you are an oldie worldie.

[Stephen]

Manoverboard
The cause was therefore kidney related which in many cases is not insurable ..

Never had a problem getting insurance cover myself Moby.

[Manoverboard]

Manoverboard
The cause was therefore kidney related which in many cases is not insurable ..

Never had a problem getting insurance cover myself Moby.

Nor do I, albeit with exclusions which makes it completely pointless

[Mervyn and Trish]

We'll never know the full story but one of three things seems likely. They had no insurance at all. They hadn't declared the condition and the insurance was invalidated. They were insured but couldn't get cover for the condition and decided to chance it.

Whichever it's a tragic story but it is it ethical to expect others to pick up the bill?

[Manoverboard]

I won't be contributing and that's for sure.

Taking the risk may seem to be a good idea at the time but I seriously doubt that any of us have any idea what the repatriation costs could potentially be.

[Stephen]

I won't be contributing and that's for sure.

Taking the risk may seem to be a good idea at the time but I seriously doubt that any of us have any idea what the repatriation costs could potentially be.

Let alone the hospital bills.

[Onelife]

I won't be contributing and that's for sure.

Taking the risk may seem to be a good idea at the time but I seriously doubt that any of us have any idea what the repatriation costs could potentially be.

You’ve got no heart Mob….what if it was me stranded out there?

[Mervyn and Trish]

Who are you again?

[Stephen]

Bl**dy foreigners

[Manoverboard]

I won't be contributing and that's for sure.

Taking the risk may seem to be a good idea at the time but I seriously doubt that any of us have any idea what the repatriation costs could potentially be.

You’ve got no heart Mob….what if it was me stranded out there?

You'd have insurance

[Mervyn and Trish]

This whole discussion has triggered me to double check the answers in my medical screening. There was one that was open to interpretation and could have potentially, if they were being really pricky, lead to difficulty, so I've tweaked it to make sure there's no doubts.

[Stephen]

This whole discussion has triggered me to double check the answers in my medical screening. There was one that was open to interpretation and could have potentially, if they were being really pricky, lead to difficulty, so I've tweaked it to make sure there's no doubts.

Was that the ‘what sex are you’ one

[Mervyn and Trish]

Surely it should be "what sex/es are you today?"

[Stephen]

Not decided yet

[Meg 50]

This whole discussion has triggered me to double check the answers in my medical screening. There was one that was open to interpretation and could have potentially, if they were being really pricky, lead to difficulty, so I've tweaked it to make sure there's no doubts.

Did it impinge on your premium?


There was an article about travel insurance in Saturday's Telegraph where someone had been told they didn't need to declare something by an insurance agent - so didn't and then had to claim which was rejected cos they hadn't declared.....

[Mervyn and Trish]

This whole discussion has triggered me to double check the answers in my medical screening. There was one that was open to interpretation and could have potentially, if they were being really pricky, lead to difficulty, so I've tweaked it to make sure there's no doubts.

Did it impinge on your premium?

No it didn't. Fortunately the second question was are you still receiving treatment for it and the answer was no, so it's recorded but no additional cost.

[david63]

someone had been told they didn't need to declare something by an insurance agent

I have seen policies where it states that no new conditions need to be declared during the period of that insurance.

[Meg 50]

someone had been told they didn't need to declare something by an insurance agent

I have seen policies where it states that no new conditions need to be declared during the period of that insurance.

this one was a cancer that they'd been told had gone.


It hadn't - and returned....