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

[Gofundinsurance]

Last week or so.

1.man decides to dive head first into a low pool. Immediately paralysed. He’s paralysed , no insurance so go fund me obvs

1. boy has insurance, insurance said no motorbikes, went on a motor bike, insurance withdrew. Go find me

man dives into pool , shallow end no insurance see above

man goes out gets wankered and gets in a fight, one punch hit and he’s in icu bit no insurance so he’s stuck there

How hard is it to book insurance when you book the holiday to open a second tab and order the insurance?

Just go to Google and type ‘gofud no insurance’ there are thousands.

I just don’t get it I have stage 4 cancer and I get insured by ‘insure with ‘

So sorry @Goldenboysmum

I read at least 3 a week on newsfeeds of people going abroad without insurance and then begging strangers to cough up money because they are too tight to pay themselves.
It should be compulsory to take out insurance, its often not that much (unless you have certain medical conditions)

I think its kind of heartening how many people do contribute towards then. Im pleased that there are generous people out there.

For every one that captures the public imagination thought here are plenty who don't. I wouldn't want to depend on them.

Anyway if you change your intake on sm a bit you'll not see them...

How about people don’t dive into shallow waters?

or get into fight or dont ride motorbikes on holiday?

that would help

@Worriedmrs do you remember which insurer was good with a waiting list?

I think it’s sad people are so gullible.

@Dollymylove you only see 3 a week because you watch/interact with them and the algorithm wants to give you more of whatever you interact with. Ignore them, block them, search for kitten videos instead. I hardly ever see gofundme appeals because the algorithm knows I skip them.

Our family insurance was £3500 last year. Some conditions are a bit pricier than others. Many companies quoted 5k and some didn't quote. It had lots of exceptions in our actual policy.

Im not a risk taker but I have to be honest I felt a bit mugged by it. However we had saved for years to take our children abroad so we bought one years insurance and squeezed 4 trips in.

Don’t donate then.

Yes people should get insurance, but if they don’t and they’re seriously injured what are their families meant to do- let them die?

Nobody is coming to your house and forcing you to donate.

This type of the thread does the rounds every few months in MN, and it’s so boring.

It can be really hard to get insurancee if you are waiting for something, even small, and the waits can be years. It cost me £800 for a two week trip last year, and it wasn't a holiday, either. Sometimes you don't have much choice to travel, and I can see how someone might end up taking a risk, or travel without realising they're not fully covered etc. I'd feel sorry for someone who ended up paralysed, whether it was a stupid thing to do or not; that's a pretty big price to pay for a mistake. I might still not donate, but I can still have sympathy.

I used to think like that and still do to an extent, with caveats.

I have known several cases, where hospitals overseas have demanded an immediate payment to commence treatment in critical situations where immediate treatment is crucial to survival. Then there are ongoing costs, necessary to immediate treatment, which they try and leverage while the insurance company is processing the claim. I’m talking about the first day or two here, and significant sums of money. These are people who DID take out reputable insurance have played by all the rules but are basically being scammed and held hostage with death as a certain outcome before insurance companies can even receive and start the process on their end.

Then there is the fact that, if a person is in a critical condition, family often want to fly to be with the person. That involves flights, accommodation, food, taxi’s, laundry, lack of money from suddenly not working especially if self-employed or casual, basically expenses not planned for and with money they may not have. That’s even the case if the person has taken out insurance.

Well, if insurance is too expensive, you can’t afford the holiday, can you? The insurance is part of the total cost. Holidays aren’t essentials so if it costs too much, you rethink.

i have some sympathy for people with complex illnesses who need to see family overseas, but someone trying to do a holiday on the cheap or just plain feckless, no.

As someone who spent 20 years working in personal lines insurance i, naturally, don't understand why you wouldn't buy it. All the air lines and travel agents offer it.

But travel insurance does piss me off in that they are very reluctant to pay out and exclude things you expect to be covered. I once got caught out when a travel agent went bust...that's not covered. They'd moved to Spain so didn't need ABTA protection.

But people seem to lose all sense of reason when they go on holiday. We had a woman who chartered an air ambulance service to get home...she'd broken her leg. We'd have sorted out extra leg room not a whole aeroplane

You do wonder how many of these people under 25, who became very ill or injured on holiday without travel insurance - don’t have car insurance (if they drive)

I would never travel without insurance and have no sympathy with those who don’t take it. However, before we all get too smug, just make sure you don’t invalidate your insurance. One of the latest local funding appeals was for a little girl who has become seriously ill on holiday. Because she’d seen the GP about something completely unrelated a few weeks earlier they wouldn’t pay up. Also when updating my DH’s insurance because of an operation he’d had, I happened to glance down the list of things you are supposed to declare, one of which was relevant to me and it hadn’t even crossed my mind. So please do all check out the small print on your policies and inform your insurance companies.

I agree that insurers are bastards. They do everything to maximise the likelihood of them saying no to paying out.

If you decide to declare everything, they make it very hard too. One time, I spent hours on the phone with three companies going over a zillions questions for all of them to say no in the end because of a generic disease that has caused me no trouble at all. I've now found out I don't have to declare it, which is a big relief.

I had difficulty because I take antidepressants not for depression but menopausal anxiety... They see it as a risk! Because I was waiting for a sleep study appointment...

The reality is trying to get insurance that doesn't cost 5 times that of a trip, especially when just visiting family, when you are over 50 can be a real challenge. Even if you are perfectly healthy.

However, the young people who don't take insurance when it would be under £30, or those who claim they thought a family policy would cover grand parents...that's not caring and irresponsible.

AnonymityAnonymity
I'm afraid I regard GoFundMe as begging.
I have monthly standing orders for donations to recognised charities but I would never give money to any one on GoFundMe.

A local doctor had a form of illness only treatable in the us, a death sentence here and through go fund me got enough money to get to the us and she is on the other side. When I paid I saw case after similar case, sometimes for kids for medications for operations etc. Sometimes charities don’t cover what go fund me are looking for

Op it doesn’t effect you in any way, I don’t get why you let it bother you and I find the post ridiculing people who got hurt in bad taste tbh

Try Insurance With or Staysure. They cover people with long term conditions, recent cancer diagnosis etc. Their prices were the best I found.

You can just ignore thrm
I never understand why people get so upset by these thingd
Nobody is obliged to contribute

For those with genetic conditions that causes them no issues and only receive monitoring treatment, you don't have to declare the condition with any insurer registered with ABI. Tesco is one of them.

Having had an awful experience years ago where my husband was hospitalised whilst we were on holiday, I always check and double check holiday insurance. Luckily, we were covered and the insurance company handled everything. I can’t imagine how awful it must be to find out, in the worst circumstances, that you’re not covered. 😢

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.

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 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.

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