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

I wouldnt give to go fund me for strangers. There are a lot of cheeky folk around. Probably the type who would give you a slice of bread if you were starving.

Is your issue with 'no insurance' or with men?

They deserve help, but I think expecting others to pay for it is cheeky

There are three facets to this issue -

1 People taking out no insurance at all
2 People taking out insurance but discovering they are excluded for non-obvious reasons or having delays getting payouts
3 People with or without insurance indulging in reckless behaviour on holiday

1 is on them - they've taken the risk and lost
2 I have much sympathy for
3 if you wouldn't do it at home, don't do it on holiday

Maybe some type of legal requirement forcing people or prohibiting travel without proof of insurance could work; and therefore ease the absolute turmoil of being say paralysed from the neck down.

Thinking about how paralysed people don't deserve help because they didn't get insurance leaves a very nasty MN taste in my mouth tbh.

I understand why you’d feel that way but it’s commonly known that you must have travel insurance before you go. It’s non negotiable

Sending love for that loss you endured and I too feel some hope that the Go fund me option is there. Even if there are people taking advantage or being distasteful.

I'm kind of judging people for writing shitty heartless posts on hete. Some of these posts are distasteful, not the Go fund me site examples such as paralysed holiday maker.

People make mistakes every day, almost sneering at someone paralysed; in a serves their right innit tone, is very unpleasant.

People have a choice to look, to click, to ignore and move on. Thinking this was my child and people write posts like OP, that would hurt me.

If you can’t afford the insurance you can’t afford the holiday

Same. I give money and time to charities that will do proper assessments of need before distributing the money

I volunteer for one and we get a fair few applications from people who have ample (high five figure /six figure) savings and when we query why they applied for funding they genuinely think they are "in need" because they "don't want to touch their savings".

My husband insurance actually costs as much as a week holiday in Morocco

I can't work myself into a state of vitriol or annoyance over someone who has been paralysed and is facing costs.

I may not contribute, but I'm not going to criticise them for trying.

TBH it annoys me more when people want to be funded for hobbies or experiences they want to do anyway then claim it's for charity. I'd rather pick my own charity than find someone to jump off a bridge.

I have heard this so many times (ie it’s impossible to get insurance if you have multiple health issues) and it’s just not true. I have really complex medical issues - lupus, Addisons, Sjogrens, pituitary issues, asthma, anaemia, hypothyroidism and many, many more. I’m under 5 specialists, I am on PIP indefinitely long term and I’ve never had a problem getting insurance. I also advise in several health groups and many people have worse issues than me and still get insurance. You just have to make sure you tell them everything - every little appointment / hospital visit you’ve had. I went to France recently and before I went I spent 2 hours on the phone updating Staysure about my recent health issues (constantly at the hospital) and emailing them documents and they just updated my insurance and I was still covered. It wasn’t even that expensive - a week for the 4 of us including me was around £180. That’s a small price to pay. All Clear will also insure those with health issues. Many people don’t like having to phone to update insurance companies etc with details but you must do this to ensure you’ve covered.

I go away regularly and would never, ever dare go without adequate insurance.

I agree people should factor insurance in when budgeting for a holiday.

An aside: I read the small print of my travel insurance policy when I changed insurer recently. There’s an exclusion criterion which covers drug-taking and excessive alcohol consumption. Even with cover, if you end up in hospital after going on a bender your policy won’t cover you.

Any 18 year old going on their first lads / girls holiday abroad, surely the parents should check that they have insurance in place. Excited at maybe going abroad for the first time without parents, insurance is the last thing they think about. Continue to parent your children / young adults. Just because they turn 18 and leave FTE doesn’t mean they know the ways of the world. Parental responsibility does not end at 18.

So sorry @Goldenboysmum 💐

I recall 2 or 3 years ago the news that a British baby had fallen very ill while on holiday abroad with family. Needed an air lift back to th UK. When the parents contacted the insurance, it was declined because the previous year the child had been taken to the doctor with a very minor issue and they hadn't declared it.
This kind of thing I would donate to, I was shocked that a big name Insurance company would let a small child die for a very small error😡

How about you need valid insurance to cross borders with you actual ticket, they become a paired way to allow travel. Plus no one is allowed in without a valid insurance certificate. Wouldn’t that be useful. My insurance is high now due to chronic health issues but I pay.

...and tell me if I am wrong , but doesn't the ' Go Fund Me' take 10% of the donations so not all the donations go to the recipient/ charity ?

More fool the idiots who contribute to the fund.

This. Holiday to Spain we had to pay upfront for a doctor to visit our friend in the hotel room then pay for an ambulance to hospital in the next town. Luckily we had emergency money to cover it. This was all claimed back re insurance but not for some time after we got home. And that was just gastroenteritis with overnight stay on a drip then back to health. Can't imagine the cost involved in a more complex situation. Ideally nobody should travel without good insurance and a chunk of money to fall back on for unexpected costs but then you have to balance the chance of having an emergency with missing out on life experiences.

I’m here to stick up for insurance companies LOL. I work for a travel insurance company I would say we pay out around 80% of claims. We don’t actively find ways not to pay out. We can’t as that would go against the FCA’s rule of treating the customer fairly. Most policy wordings / terms and conditions are pretty simple and clear as long as you abide by them you’ll be covered.

I agree, but what a sad (and preventable) situation 😢

I used to feel like you OP, until DH and I started to get medical conditions as we got older, and it is so hard to get insurance, it's unbelievable. I think a lot of people think they have insurance, but they're not actually covered. When I was younger I never declared anything and assumed that if I'd been to see my GP about some minor thing (let's say an ear infection, cleared by antibiotics), then I didn't need to declare. Now that I've read the small print of a lot of policies, I realise that a lot of them just won't pay out for anything if you've been to your GP at all for anything in the last 2 years, especially if you weren't officially diagnosed with anything. And "not officially diagnosed" includes the doctor running some tests, which all come back negative, and the doctor saying that whetever you've seen them about is nothing to worry about.
I think most people, including many of the people on here, aren't actually covered, but think they are.

If you have no holiday insurance you’re an idiot.

But I think sometimes the fact that we use cheapness as the main criterion is a problem, rather than the quality of the insurance company or level of cover. My mum had to claim when she broke her leg abroad. Fortunately she had top rated insurance through a broker, which dealt with everything and no out of pocket expenses.

I imagine they are often started by family members? I wouldn't contribute but I would also be desperate to get my family home in that situation.

I did see an article yesterday about some idiottiktoker whos daughter has drowned in their unfenced pool. He was asking for donations towards the funeral and costs for them to move house. Obviously a completely different situation but why the hell would anyone donate to these people.