to think even if he had travel insurance, it wouldn't have paid out if you try to jump between balconies on holiday?

[cakeorwine]

https://www.bbc.co.uk/news/articles/ckgj70nnrkjo

Someone else on holiday without travel insurance.

"He doesn't remember much about his holiday or the accident, but witnesses said he was trying to climb from his bedroom balcony to his stepbrother's balcony in the next-door room."

From what I've read when I look at travel insurance policies, they are very strict on not paying out if the accident is due to circumstances like this.

From my policy on exclusions - where they will not pay out

Any deliberately careless or deliberately negligent act or omission by you.
10. Any claim arising or resulting from your own illegal or criminal act.
11. Any claim arising directly or indirectly from your drug addiction or solvent abuse, alcohol intake, or you being under the influence of drug(s).

I think it's really important that people take out travel insurance - but even then, I don't think it will pay out if you get injured to due acts like this.

You can - you apply for a Provisional Replacement Certificate to cover costs in a public hospital. It doesn’t cover repatriation though.

overseas-healthcare.nhsbsa.nhs.uk/apply-provisional-replacement-certificate/start

Allseeingetc ' until its one of your family! Don't judge e and hopefully you will never find yourself in a situation to fly a depated loved one home? Horrible text!!!

I am an insurer by trade. My company has a large travel book. Such a claim would be excluded I suspect on two grounds. Firstly gross negligence on behalf of the insured and secondly the contribution of alcohol. Generally though, we would provide some support in accessing local health services and help with rearranging flights. This though would be on an ex-gratis basis. Within the EU, UK citizens still have access to local health services, but there is a cost in doing this and in some EU jurisdictions, care is very different to the UK. For example in France and Germany provision costs, but is often better than the UK. In Greece, provision is sparse and there is an expectation that basic nursing will be provided by a family member. Whilst accidents are rare, please always make sure you have insurance and declare and pre-existing conditions. Even if you think they are insignificant. Some alcohol consumption is fine (FOS cases are plentiful on this), but start jumping on mopeds/jet-skis when drunk or start jumping from balconies then your insurance will not cover you.

I’m still unsure what the outrage Is about? He managed a drunken injury.

Sorry do you think a good read through an insurance policy would have him saying “right then, I’m pissed off my head to think that monkey climbing across balconies is a good idea… but wait! My insurance policy says it won’t be covered” ??

The outrage is him not even bothering to take basic measures like insurance and now expecting the public to bail him out.

And the parents thinking that telling us ‘get travel insurance’ is worth £100k or whatever his treatment and repatriation will cost is absurd.

Really sick of having to ‘feel’ for these stupid young men.

He should be made to pay back every penny.

The fact that travel insurance won’t pay out for anyone who has been drinking really should be highlighted to young people more. That is exactly when daft things like this occur - a young life ruined with stupidity but we’ve all been young and daft once, albeit balcony hopping wasn’t my forté.

Yes how would that even be enforced? Police at Gatwick checking your insurance schedule and arresting you for conspiracy to go on holiday with inadequate cover?

Or are they saying they would like people like their son who do travel without insurance to face an additional fine on their return, on top of their medical bills?

Obviously not the brightest of sparks.

If it was a standard policy from at least the late 1980s (as that's when I first dealt with claims), there were specific exclusions for all scuba diving and mountaineering, off shore speedboats, etc, in pretty much every policy, both for package holiday and individual/multitrip polices - cover to a certain depth (used to be 5m, then 10m, now I think it's about 30m) was introduced later because companies like Columbus wanted to keep the higher end of the market buying.

He’s TWENTY FOUR! that’s not young and dumb age, that’s a fully grown adult man. I had 3 kids at 24!

Every week it seems some hapless traveller finds themselves ill or badly injured in a foreign hospital, having either no or inadequate travel insurance, or have breached the terms of the insurance by not revealing medical conditions, doing dangerous activities, getting drunk, or messing about on balconies. Inevitably, a Go fund me page is started as the family don’t want to sell their house, get a loan, or use their savings for enormous hospital bills.
These episodes are well publicised so you would think people would learn. It’s not only young people either, people of all ages take these risks, some because their insurance is very high. If I go abroad, my travel insurance is very high due to several medical conditions, but I wouldn’t dream of taking a chance. There are some occasions when I have sympathy, when someone does have travel insurance but the insurers make it very difficult to claim when there is a genuine need, but it is frustrating when people deliberately chose to ignore risks, in the hope that the public will help them out when they get into trouble.

Spiked drink!!!

FGS

Have you never been blind drunk before, you cant remember anything.

A GHIC card would have prevented him running up a big debt in the hospital. And guess he could have stayed there till well enough to get a flight home, a normal flight. Not sure how it works for retrospective applications if you don't have one, I know you can apply for a replacement while abroad.

Another thing for people to consider is fully reading the small print - if you hire a moped are you covered? If you go zip lining, parasailing, etc are you covered or do you need the extreme sports package?

he is a grown man, what a stupid thing to do.

It’s a lie as old as time ‘I don’t remember, I was drunk’. Bullshit, I bet he does remember.

The petition is a lame attempt by him and his parents to make their ask for £100000 or whatever more palatable. I wouldn’t pay a fucking penny.

He also has a child which is mentioned in the go fund me. Get it if first holiday and bit young and dumb but later on in life..you'd hope be passed these moments or least doing things like this. Just walk out a door!