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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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to think you don't go on holiday whilst having a high risk pregnancy and without adequate insurance

707 replies

Defenderwife · 04/10/2015 10:57

Woman gives birth after food poisoning whilst on holiday in the Dominic Republic.

She had a cervical cerclage so knew she had a high risk pregnancy.

Her insurance didn't cover her entire pregnancy.

They are now stranded with a premature baby in a foreign country with no financial help and are relying on donations and GoFundMe.

I have made a donation but inside I feel almost angry. Why on earth have they let themselves be in this situation? That poor poor child.

OP posts:
multivac · 04/10/2015 21:17

"Right and whose fault is that?"

You're more concerned with the fault than the consequence? OK.

Spectre8 · 04/10/2015 21:23

I c you are trying to instigate me into saying I want their baby to die but it won't work.

If the insurer doesn't pay out they find the money themselves - sell their houses and cars and fund it. However until they have an answer from their insurers they shouldn't expect the public to pay out for their poor decision making or get them out of a situation they could have easily avoided.

Would you donate money if someone lost all their life savings because they took a risk on the stock market and it meant their family would struggle?

Would you donate money if someone didn't take out proper home insurance and their house burnt down and they were left with nothing?

Thelushinthepub · 04/10/2015 21:23

But who cares whose fault it is? Why are you even assigning fault?Hmm

Thelushinthepub · 04/10/2015 21:24

I wouldn't donate money to anything, I already said that

Spectre8 · 04/10/2015 21:25

Because it is their fault they are in this situation with their travel insurance policy.

TheCraicDealer · 04/10/2015 21:36

Jason Manford has promoted this on his own Facebook page and now the comments are providing the email address of one individual at the Insurance co. in question so that people can "bombard" them to get them to change their minds. There seems to be very little understanding of why they have refused to provide cover and that it's all simply a case of "mean insurance company wants baby to die". If they pay out, what will stop others from taking the same chance on the basis that they'll never refuse cover for a baby/maternity care? How will that impact on premiums for customers who are open and honest about their conditions from the outset?

multivac · 04/10/2015 21:38

"Would you donate money if someone didn't take out proper home insurance and their house burnt down and they were left with nothing?"

If there were kids involved? Fuck yes. Wouldn't you? Or would you be too busy polishing your highly insured halo?

Spectre8 · 04/10/2015 21:43

No I wouldn't donate and you can think of me as you will but I don't have much of it myself so I choose to keep that money to benefit my family first but I also spend it to make sure I get the right cover for my home etc. because I cannot afford that kind of money for when horrible things happen. Saving a few bob compared to those costs and peace of mind is not worth it.

Spectre8 · 04/10/2015 21:47

TheCraicDealer that is awful if they have posted an employee's email address on social media with the intention to bombard and force the company to pay out when all it is doing is sticking by the policy that was purchased. They are a business not a charity.

SoftDriftedSnow · 04/10/2015 21:47

I really hope evie pulls through.

What about the other babies in that hospital, though? Is there a fund for them? I'd rather give my cash to people who have no options, rather than those who didn't avail themselves of the financial protection provided in within our wealthy country and chose to take a known risk. The other parents don't have those choices, so unfortunately have to take the medical care that's on offer. Evie's parents made the wrong choice, so they will have to make do. Why is evie so special among the babies now? What is about their situation that makes those who have donated identify enough to give money for her?

Sad story, but my money's still going to those who really don't have choices.

AssembleTheMinions · 04/10/2015 21:54

The comments on Jason Manfords fb are just jaw dropping. Talk about mob mentality, no matter that we do not know both sides of the story.

This is all so familiar to Dax's story. Anyone trying to put over a different point of view gets shouted down and acccussed of being a monster.

RebootYourEngine · 04/10/2015 22:14

Oh god here we go again.

Do people not remember the Dax story. We had all of this with them. Look how that turned out.

Do people not remember the woman whose child was snatched from her arms by a security guard in primark. Look how that turned out.

When will people learn that what they first read is not always the true story.

kippersmum · 04/10/2015 22:22

I travelled to South Africa when PG with DC1. Trip booked, & insurance sorted before I knew I was PG. Quick call to insurance company once I knew, gave full medical details, paid more (quite a bit more!) job done.

Even if the trip had been booked for years I fail to see why they have not paid for more insurance. I have only had the misfortune to claim on travel insurance once. I was so glad I had cover it had made me very happy never to scrimp on it again.

Topaz25 · 04/10/2015 22:34

YANBU. It's irresponsible to fly with a high risk pregnancy, especially when not covered by insurance. A holiday was not worse the risk to their baby. I do feel sympathy for their situation but I also feel frustration because it was foreseeable and avoidable.

PolShelby · 04/10/2015 23:35

I work for an insurance company (not travel though) and I would be surprised if their insurer does not pay out following all this. Despite general opinion, insurers do not tend to look for loopholes not to pay out and happily pay out valid claims. There is obviously a very good reason why this particular claim hasn't been accepted, however due to all the bad press the company are now getting I would imagine they will cut their losses and try to save their reputation before they end up taking a big hit on new business. The press they are receiving is painting them in a really bad light to potential customers.

I am in agreement it was very irresponsible of the couple to fly, but I do feel sorry for them and I hope the baby will be ok.

mandy214 · 04/10/2015 23:51

I don't know the background to their story but did see it today on FB.

I had premature twins at a very similar gestation - and whether she was to blame / reckless to travel at all etc - I know as parents they will be going through hell.

MaryPoppinsPenguins · 05/10/2015 00:04

Jason Manford is a fool to publicly get behind this. Loads of his followers are blindly donating with it 'accidentally going through twice'

Idiots.

kali110 · 05/10/2015 00:07

libraryyes completely agree with you.
There is just no responsibility at all!
If the parents had just said they had made a mistake etc, more people may actually have sympathy for their situation, (rather than just for the poor little one) and want to donate, but they don't!
Instead there's friends and family naming and shaming the insurance company when they haven't done anything wrong.
I feel sorry for the little one but i feel angry at the parents for taking such a silly risk.
milkmilk isn't evil at all, just honest.

sleepyelectricsheep · 05/10/2015 00:09

"Would you donate money if someone didn't take out proper home insurance and their house burnt down and they were left with nothing?"

Yes, just last week I donated clothes and money to a local family in exactly this situation.

Are you saying you wouldn't? Why on earth not?

TheCraicDealer · 05/10/2015 00:13

Because maybe they don't have anything spare to give. Or, alternatively they have exercised their choice not to donate, just as that person chose not to get home insurance and you chose to give something.

MidniteScribbler · 05/10/2015 00:22

This child is not being denied medical care. She is in a public funded hospital and the medical care is free. The parent's issue is that it is not of a standard that they believe they are entitled to. Any talk of the child being denied medical care is false, she is getting the same care that any citizen of the country she was born in is entitled to receive.

sleepyelectricsheep · 05/10/2015 00:22

TheCraicDealer sorry I should have beem more specific. I can think of lots of reasons why people might not donate.

I was asking the poster who wrote that why they would not donate. Seeing as they brought it up i'd bet there's more to it than simply not being able to.

Verypissedoffwife · 05/10/2015 00:35

Apologies if this has been said before (not read the whole thread) but Daily Mail she's facing a £185k bill. How????

TheCraicDealer · 05/10/2015 00:38

Yes, that's the point I was making. You can get home cover very cheaply and conveniently online; the average policy is £109 per year (figure from money advice service). If you chose not to prioritise that then that's ok, but unless there's a back story or a particularly vulnerable person involved I wouldn't be donating either.

Peachypeaches · 05/10/2015 00:41

Statement from the insurance company on the Ipswich Star website.

Dan Compton’s partner Sharon Halls gave birth to Evie who weighs just 2lb 10oz while in the country for a friend’s wedding.

However the pair, who are from Ipswich, have been left alarmed by the levels of sanitation at the hospital.

They moved there after first being taken to a private hospital which although better was costing $2,500 a day for Evie’s care alone.

The couple have become concerned over the status of their medical insurance which they took out with Holidaysafe, the trading name of Infinity Insurance Solutions (IFF).

Their family and friends have helped set up a fund to raise money for Evie’s care and their eventual return home. Thousands of people have contributed.

However ~IFF has insisted it is doing everything it can to help Evie and her parents and is concerned over some alleged issues which have been reported.

An IIS spokesman said: “This has been a distressing case for the parents, Sharon Halls and Daniel Compton, especially as this is their first child.

“We always take seriously the needs of our customers and especially in a case such as this which involves the welfare of a premature baby. We have tried to assist the family in very difficult circumstances, in a country where hospital facilities and medical care can be inconsistent.

“The medical assistance team involved have been in constant contact with the family since the birth of their daughter Evie and the insurer has indicated that it will seek to reimburse the family’s costs.

“Reports that there is an issue with time zone differences and this has in some way affected the coverage of the policy are not correct. We are confused as to why this has become central to the stories in the press.

“Sadly, in situations where a premature birth has occurred abroad, finding the right medical facility and medical expertise can be challenging. Repatriating a premature baby also has risks due to under-developed lungs which means flying at this time is not an option.

“At no point has IIS been involved in the transfer of Evie from one clinic to another, or been asked for opinions on the hospital or clinics at which she has been treated.

“Evie’s parents have been deprived access to various facilities because of the actions of the original medical facilities. In all our dealings with the family, they have seemed satisfied with the service they have received and it has been very surprising to read these reports in the press.

“The chief medical officer’s opinion is that, if baby Evie’s progress continues, she and her parents will be able to return to the UK some time next month. We remain in daily contact with the immediate family to discuss Evie’s medical needs and the families accommodation arrangements. We will repatriate the family back to the UK once it is completely safe for Evie to travel.”