Sick of go fund me for idiots who don’t take insurance with them

Yeah I was quoted stupid amounts for having HAD cervical cancer. I had no evidence of disease at a check up the week before I was due to go away so what they were suddenly thinking was going to happen that would need emergency treatment I dont know

And wasn't helped as was still having to declare the appendicitis id had before that , which seeing as it had been removed was less likely to cause issues than someone who actually had an appendix. So why was my policy hiked due to it?

I have heard that the ombudsman can help which is something but they really shouldn't be allowed to reject claims on such spurious grounds. All they need to say is that if you claim for something which later turns out to be pre-existing they won't be paying out. It might catch the odd person out but there must be so many people who honestly wouldn't even think to mention that they saw the GP a while back for something which came to nothing in the end.

I am ancient and remember well that when I was younger you often just got told to go away and come back if your problem doesn't clear up. There's a real probability that I would then just forget about it.

Still that's no excuse for travelling without insurance.

The I'm afraid was me just trying to phrase my point of view politely.

Most of the charities I support are either animal charities or children's charities which probably wouldn't need to exist if it weren't for human cruelty or stupidity. Or else charities to do with physical challenges such as blindness which, quite frankly, shouldn't need to be supported by charitable donation because they should have enough support from the state.

What, threads where someone holds an opinion about something? Do we have to be directly impacted to pass comment?

If a husband hits his wife, it has zero impact on me whatsoever. But I can still hold a negative opinion of him and his actions, and comment to that effect.

How does it affect you, OP?

I never understand these threads. Whether other people get travel insurance has no impact on me whatsoever.

And if it were made easier to get, maybe more people would get it - eg being able to carve out your medical conditions but eg be covered if your case gets stolen or you get run over by a tram.

Yes, I've added sailing and cycling in the past and ensured that insurer and I had a common understanding of where hillwalking becomes climbing - usually where ropes are involved.

The policies I've got always have bolt-on options to cover sports and other activities. Though not getting drunk and falling from a balcony, obviously.

The ones from abroad are often things ordinary insurance wouldn't cover like risky sports, riding motorbikes are getting drunk and falling from a balcony.

I remember that 1 😂
Who knew Turkey teeth could be so over-stimulating 😁

Totally agree the other one that aggravates me is go fund me for pets when they chose not to insure said pet! My brother got a puppy no insurance and then it broke its leg 7k op, they set up a go fund me! I was horrified. I’ve also seen one for a well of horsey family to buy the child a new pony and a set of jumps, stables ect as they could “only” afford to buy the land.

😮

There are lots of companies that provide insurance specifically for families in this situation. They are expensive but not ludicrous. They even offer packages for people nearing the end of life.

YANBU, but just don’t donate.

if you’re dumbass enough to find yourself in this position what choice do you have (unless you’re insanely wealthy) except to try some viral fundraising?

I am sick of gofundme full stop.

Don't know your exact situation (and obviously would not ask!) but I do know of several people with serious health conditions who couldn't get insurance at any sort of reasonable price. Yet they felt they wanted a holiday after what they'd been through, and wanted to take the risk-and they were fine. If it had gone the other way, and they'd needed help, I'd have been willing to contribute because it's not their fault they were ill in the first place.
And travel insurance costs extra for a disabled child in our family, even though his condition is one that would NEVER actually mean an insurance company would be expected to pay more. Too outing, but the point is if his condition worsened, it would not be life threatening and he would come back to the UK before treatment was given. So I can see why some people feel it's a swindle.

Negates the comment about spending thousands on a holiday and £50 on insurance rather

What about it?

That's what the ombudsman is for, CarlaH; any number of decisions have been overturned when the insurers have gone too far in trying to weasel out of paying, and not just for holiday insurance

Admittedly that doesn't help with the stress at the time if they refuse to cough up, but it can also help to go with the best rated companies who have a better track record than some, and not to assume that "travel insurance" packaged with your bank account will be of the least use for anything but the most straightforward cases

Yes I am not sure if it covers you for the jet skis that seem to be available on every beach.

That's a good idea if it actually covers you.

What about the £500 holiday with £3k insurance scenerio

But if we all do this there is no incentive for people to actually take charge of their own lives.

Not sure why you'd be "afraid" of regarding it this way when begging is precisely what it is

I suppose the difference is that with most beggars you can give to organisations which support whatever cause it is instead, but I'm not sure there's an anti stupidity cause ...