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 ‘

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.

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.

...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 ?

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.

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😡

So sorry @Goldenboysmum 💐

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.

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.

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 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.

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

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".

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

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.

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

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.

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

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

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

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.

Do you actively have to go onto the GoFundMe website to see these, as I’ve never had any pop us asking for cash?

@Gofundinsurance so surely you just wouldn’t visit their site if it bothers you?

They often get shared on instagram, facebook community groups and on online newspapers. I’ve seen loads of them.

Yes. Insurance companies like to wiggle out of things.

Regarding motorbike accidents, my guess is that most people simply don’t realise that their travel insurance won’t cover them for this. I always remember reading a terrible story about a woman who got absolutely terrible injuries flying on one of those wing things that are pulled by motorboats at the seaside. She was insured but not for this.

Maybe the default when buying travel insurance should be to opt out of risky activities such as scuba diving and motor biking rather than to have that as an optional extra?

Again, yes and no. The issue is many times, people with valid insurance, in valid situations have to finance significant sums up front while insurance companies process things.

There really needs to be some sort of refundable ‘Go Fund Me’ system, where you can help people up front, and then the insurers reimburse the Go Fund Me group for the medical expenses component. Obviously, this seems unworkable though. That’s not limited to travel accidents/illness. Don’t even start me on things like workplace accidents. You have things like workers becoming quadriplegics through workplace negligence, while medical care is covered via the public system, that doesn’t address the lifetime loss of income, loss of income for spouse who is now a full time carer, the need to get household/childcare help as now 2 parents who are incapable of doing this, modified housing, vehicle etc. Yes, there is compensation, but most insurers will draw this out to years before issuing, so meanwhile kind people are financing families via Go Fund Me etc, then 5 years down track millions come through. Again, some sort of formal payback system in these cases for those that donate while insurers drag it out for years would be handy, but very hard in practice.