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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:
elizadolittlechoc · 04/10/2015 12:26

I agree Maryz. Also why should they use the power of press to force a PR coup on the Insurance co? I am no fan of insurance companies in general, but this is the sort of thing which makes it so expensive or prohibitive for the rest of us. 'Poor facilities and sanitation'? This should make us doubly grateful for what we have and highlights the misery of childbirth for the majority of women in the world, not for the "entitled".

SuburbanRhonda · 04/10/2015 12:27

I think it's awful that the babies are in that public hospital with poor facilities and sanitation and their parents have no choice but to put them there

But they did have a choice about taking out adequate insurance. That's why they are in the position they are now.

milkmilklemonade12 · 04/10/2015 12:28

YANBU. I'm afraid I agree. Anything could have happened to that baby, and actually I think they should pay; the insurance shouldn't because the policy didn't cover her needs.

That's like the people who claim for having their car broken into, and say they left their laptop, phone, TV, camera and fridge freezer in the backseat and can they claim for that as well please. Erm... No.

The parents were irresponsible.

milkmilklemonade12 · 04/10/2015 12:29

eliza I totally agree!

specialsubject · 04/10/2015 12:29

this sad story is yet another example why you don't dick about with travel insurance. You either get full cover and make sure by reading the small print (Yes, boring - welcome to real life) or if you can't get full cover, you don't go.

this kind of cock-up bankrupts people. Be warned.

Maryz · 04/10/2015 12:32

This reply has been deleted

Message withdrawn at poster's request.

kali110 · 04/10/2015 12:35

Why should they pay out? So more people think they shouldn't bother with insurance?
I feel for the baby, the parents shouldn't have put her in this position.
I feel sorry for the insurance company getting all the crap.

SDTGisAnEvilWolefGenius · 04/10/2015 12:37

If she had had a cervical suture/circlage, that is what indicates that her pregnancy was already complicated, isn't it, Taylor?

Floggingmolly · 04/10/2015 12:40

Surely the insurance company can't actually bend the rules, without opening the floodgates for the world and it's dog demanding coverage their policy doesn't actually entitle them to?

The policy holder is as much legally bound by the terms as the insurers are themselves.

Floggingmolly · 04/10/2015 12:42

Spit on, Maryz. This crowdfunding lark has been commandeered by some right chancers recently.

OnIlkelyMoorBahtat · 04/10/2015 12:43

"yy pre-existing conditions aren't covered."

"If they are declared, you can insure yourself for everything else, but not the pre-existing condition."

That's not true; if they are declared then you are covered, that's the whole point - albeit you will have to pay more to cover them, which is why a lot of people don't declare them.

Floggingmolly · 04/10/2015 12:43

Spot... Blush

AyeAmarok · 04/10/2015 12:43

What is the parent's financial situation? I can't imagine they're skint if they are holidaying in the DR.

I hope Evie gets the treatment she needs and they get her home soon. But I think they should pay for it, as it's their mistake.

AyeAmarok · 04/10/2015 12:43

What is the parent's financial situation? I can't imagine they're skint if they are holidaying in the DR.

I hope Evie gets the treatment she needs and they get her home soon. But I think they should pay for it, as it's their mistake.

TheCraicDealer · 04/10/2015 12:45

Did they think the cervical stitch meant that that baby was definitely staying in there until full term? That's the only conceivable reason I could think of that would explain why they thought a holiday to a developing country with a language barrier and comparatively basic medical facilities would be in any way advisable.

They are in this position because of the choices they made; going in the first place knowing it wasn't a straightforward pregnancy, not organising the dates of their trip to fall within the policy cover, not speaking to Insurers to request to extend that (if necessary, and pay an increased premium) and, presumably, not telling Insurers that she'd required to have a cervical stitch put in. If they had done that they would have been advised that cover would not be provided due to a pre-existing condition and they may have considered the whole trip.

It looks like they are being economical with the reasons for the Insurers' decision with the time difference thing; me going to Australia wouldn't make me one day older in reality, just as her going to the Caribbean didn't make her any less pregnant. They are not the victims of circumstance here, but unfortunately their poor daughter is paying for their "fly by the seat of your pants" attitude.

Oliversmumsarmy · 04/10/2015 12:45

YANBU If an insurance company won't cover you then you don't go on holiday.

A few years ago whilst pregnant with my second we decided to take a break to the US. We paid the grand sum of £70 for our travel insurance.

On touching down in California dh became unwell. 7 days in to our 10 day holiday he collapsed and was rushed to hospital. We were there for a further week. The hospital bill, mine and dds extra stay in the hotel and the flight home came to nearly £90,000. Dh was in intensive care for several days. It was the best £70 we have ever spent. The insurance company were even looking to putting us on the QE2 so we could sail back as we were within days of me going over the time when pregnant you are not allowed to fly.

Sometimes it is not the person you expect to need medical help that ends up in hospital. Always Always get travel insurance. And Always make sure it covers you for what you might in a worst case scenario need.

Troubletutmill · 04/10/2015 12:48

Who would travel abroad at all anywhere when that far along in a high risk pg.

I have claimed on travel insurance once, $6000 for a one night stay in hospital and a barrage of tests.

ENtertainmentAppreciated · 04/10/2015 12:49

From Net Doctor UK

Any pregnant woman flying after 24-weeks of pregnancy is required to have a letter from a doctor confirming that it is safe for her to travel. From the timing you've stated, you'll need one.

Some airlines will not carry women who are more than 32-weeks pregnant, but this is an individual decision on the part of the airline.

It's important that you speak to the airline to establish whether they have such a limit.

The main concerns about travelling in the later stages of pregnancy relate to the chance of delivering early and the lack of necessary care should it be required.

Pregnancy and labour can be dangerous and it is not always possible to foresee complications.

It is not possible to say whether or not you are likely to have your baby early, but certain circumstances make it more likely;

If a woman has had one pre-term labour she is at an increased risk of having another.
Having twins makes pre-term labour more likely.
Diabetes, excessive amniotic fluid, haemorrhage and infections all increase the risk.

Between five and 10 per cent of all deliveries occur before 37-weeks gestation.

If you are fit and well and have had a trouble-free pregnancy, the likelihood is that you will deliver close to your due date, but this cannot be guaranteed.

Speak to your GP or whoever has been looking after your care during this pregnancy and take their advice on when you should fly.

In general, try to avoid flying after 32-weeks.
*

Her timing was tight and even moreso given the past history.
I wonder if she did have a letter from her doctor saying it should be ok to go away at this time?

In her place I wouldn't have travelled this far and to that destination, wedding or no wedding, but of course saying that helps no one now. Poor baby.

ThroughThickAndThin01 · 04/10/2015 12:49

Spit on, Maryz Grin. She's not that bad.

RomComPhooey · 04/10/2015 12:53

And finally insurance companies are businesses - they will look for any loophole they can not to pay out.

This ^^ in spades, and then some more. We had a very difficult and distressing situation in our extended family because someone failed to disclose the full nature of their condition. I used to work with someone who'd worked in life insurance. She gave the example of someone whose life insurance had been refused/not paid out after a fatal road traffic accident because she's declared she was a non-smoker and they'd been able to provide evidence she was a social smoker (Facebook pics or similar, is my guess), even though smoking played no part whatsoever in her death.

As others have said, you have a duty to disclose pre-existing conditions and any changes in circumstance. I'm so careful because of my own experiences, I always call our travel insurer to update our health declarations if something changes and pay the additional premium to cover those risks, where they are not excluded. We recently had to cancel a holiday for health reasons & got all of our money back. We absolutely do not fuck about with our access to good healthcare and/or medical repatriation. I guess a lot of people (stupidly) assume it will never happen to them. Sadly, I know only too well how awful it can be when it does go wrong. That poor baby. Sad

milkmilklemonade12 · 04/10/2015 12:54

Yes, don't you need a fit to fly certificate or chit from your doctor?

RebootYourEngine · 04/10/2015 12:55

No matter how sad the story is i wouldnt donate.

The reason being that its not my responsibilty to pay for other peoples mistakes.

sleepyelectricsheep · 04/10/2015 13:00

No it's not your responsibility, it's called having empathy.

Oldraver · 04/10/2015 13:02

Whether you think the insurance will cover it, its madness to go this far when you have a high risk pregnancy. I cancelled plans to go to Ibiza when I got pregnant...I just wouldn't take the risk of being in another country when I didnt need to be

RoastitBubblyJocks · 04/10/2015 13:03

RomComPhooey But in that smoking example, you do realise that that isn't an insurance company looking for loopholes.

The lady took out a policy saying these are the facts. The insurer entered into a contract based on those declared facts. Those facts weren't true, so the contract was void. Therefore it effectively did not exist.

I'm very sorry about your experience, but that is nobody's fault except the person who, knowing she smoked, ticked the non-smoker box.

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