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've said YABU, because you're basically googling something that annoys you so you can be more annoyed by it.

I doubt that many of these go fund me's raise the required money, and where they do it is probably raised by friends and family rather than random strangers.

As you know, for some it can be hard, if not impossible to get insurance. It isn't available to people within 6 months of finishing radiation, for example.

The kid on the motorbike probably didn't read all the exclusions on his insurance. It's no excuse, but it may not have been him taking a risk by deliberately ignoring what was included in his policy.

As for the ones diving in shallow water...I'm always stunned at Brits abroad lack of water sense. It's arguable that people who lack common sense are more likely to need insurance...but these are the ones who don't seem to buy it. If it bothers you, don't read these appeals or contribute.

I don't engage in social media. Maybe that's why I am one of the very few unbothered and empathetic on this thread?

Another reason social media needs to explode into the stratosphere perhaps? 🤷😆

With the exception of MN if that counts. I do like this platform intermittently...

I saw one yesterday where the mother (in her 60s) assumed she was covered on her daughter's family insurance. Crazy.

Goldenboysmum That must have been so hard for you. Thank goodness people were kind and donated so you could get your lovely boy home. Thank you for helping others in a similar situation with the rest of the money - I hope it brings you comfort that some good came out of your terrible loss. Sending love.

I got my quotes from Staysure, AllClear and goodtogoinsurance . AllClear was really expensive, Staysure was good with waiting list and undiagnosed conditions but didn’t covered surgery. Goodtogoinsurance was best in my case, they are insurance brokers instead of a direct company so had a friendlier model.

Would you not expect to be covered in the event of an assault?

Even without googling it; passively consuming this SM bullshit and finding reasons to get annoyed by people over their cheek asking for money to cover costs associated with say being paralysed.

People seem to increasingly demonstrate what I see as an ever growing detachment from empathy. When I've tip toed back to
SM I can't believe the heartless shit and mindless nonsense I see on it.

The examples here including step 1,2,3 and don't do what you wouldn't do at home etc.

How many had shit parents who didn't really care or get too involved? Who happily let them go abroad at 16 with mates and get absolutely annihilated and behave in reckless ways.

These people grow up and learn and are often people who simply needed to mature/ learn to orgsnise 🙋‍♀️

I wouldn't ever sneer at a young 17 year old who had no insurance and recklessly dived in a pool becoming a dribbling vegetable for the rest of their life.

Coming off SM is the solution to this OP problem it seems ...

Basic travel insurance costs very little. I assume people don't take it out because they have the type of attitude where they never think anything is going to happen to them (often young males) or they just don't have enough financial literacy or literacy overall to understand travel insurance and feel confident purchasing it.

I always get insurance and read carefully what I am buying and list everything. The insurance companies will do anything not to pay out. I remember reading about a woman who had a stroke or something like that and insurance did not pay out as she had recently started HRT and did not declare it as a medication.

I am a travel insurer by trade. Firstly on the comments that insurance does not pay up. The data produced by the industry regulator shows that for the last availably year 8 in 10 claims were paid. (google FCA GI Value measures). The claim not paid would typically relate to non disclosure and areas which are not covered under some policies such as a four or five hour delay or customers deciding not to travel.

As an example customers booking a Red Sea holiday and not wanting to travel because of the Gulf war would not be able to claim on their travel insurance- there are no issues in Egypt.

Secondly, please look to the quality of what you are buying. Do not buy the cheapest unheard of brand off a comparator site like Compare the Market. OK if you know the brand, but read the policy carefully and check it covers areas such as delays. Not all policies do.

I note the concern about being asked to pay upfront. Most reputable companies will not ask you to do this, but again, please go for a decent policy and if at all possible call your insurer before you get to a hospital. They cannot often guide you on quality and where to go.

Lastly, please please please if you are going to the US do not go without insurance. The costs are hideous and pretty much any hospital stay will have a life changing impact on you.

I get so worried about insurance after seeing similar stories to the OP. We’re going abroad and we’ve got insurance which I think is relatviely cheap.

I have ME and Fibro, anxiety, OCD previous history of depression, all of which I’ve declared of course, but then I think about the ear infection I had 3 years ago and think will they use that as an excuse not to pay should something happen. Or the one reading of high BP that will be on my records because of a panic attack.

My husband didn’t believe me when I said they could be so awkward about things, I had to make him put my son’s acne medication (cream) on as he didn’t think it mattered!

The system is called insurance. You pay for it and that’s that. You don’t get others to pay for your failings.

Yes, ok, so they are irresponsible for taking risks when not having adequate insurance cover but just scrolling on OP and ignore…….I do!

Whaat? Can't believe I'm gonna have to cancel Saturday night 😭

@Cyclebabble Interested in your take on @PhoebeBuffay1234's concerns?

If you know you have a condition, that's one thing, but if you're waiting for tests, anything undiagnosed, then you might not be able to get cover. And sometimes you have to wait 18 months or more for a scan or something on the NHS, then months to see the consultant, who might then say they'll just do some other little test to rule everything out or whatever, which is many more months. And during that time, you have an undiagnosed condition - even if you're pretty sure it's nothing serious, nothing that would affect travel, etc - but you can't get insurance. So yeah, you can avoid holidays abroad, but people have to travel for other reasons too, and I don't think a lot of people realise just how hard it is to get the insurance under those conditions. Even people with lots of complicated health conditions don't realise the impact of having something undiagnosed, because they can get insurance for their (probably more complicated) conditions. In fact, the less serious yours is likely to be, the longer it might take to get diagnosed because you'll be low priority. So you might have something that is probably nothing, or if it is, it could be a low-risk long term condition or injury or whatever, but until you actually get the diagnosis, many insurers - even the specialist ones - won't cover you. So all the people saying how easy it is to get insurance (albeit expensive) even with health conditions - don't forget about people on waiting lists!! It's not that easy for everyone. Cross your fingers you don't end up needing some kind of scan or test or appointment that is months or years in the future

Then you decide whether you are financially able to take the risk or you pay to go and get the diagnosis privately, like I have had to do

……and funerals for children are free in the UK anyway.

@Cyclebabble I always have insurance, but didn’t realise you were supposed to update the company on every GP trip in the past two years - is this definitely true?! Luckily (touch whole forest of wood) I do not go to the GP very often but for example about a year ago I got some sleeping pills (only used once - too brutal) so should I ring up about that? What relevance would it be to a broken ankle on holiday?

On the GoFundMe issue - pay yourself! When my dog needed surgery which far exceeded my insurance I sold my car. I’d remortgage etc before begging strangers for money.

@holdmyhan ???? What failings. These are people who HAVE taken out travel insurance, did it properly, it was valid. Did nothing wrong that would invalidate the insurance. ‘Finally’ had travel insurance pay, but at that point, in order to have immediate lifesaving treatment, had to pay a large amount quickly as many hospitals in many countries work like this. Please explain their failings?

Similarly, I’ve never known any other insurances to pay out quickly- life insurance, private disability, workplace workers comp, the quickest payment I’ve known has been just over 12 months after the death of the person insured (and all was in order, they just drag their heels processing and paying for as long as possible). Up to 5 years is pretty standard for the others. These are people who DO take out insurance, everything is valid, they do the right things. What are their failings?

My dad’s travel insurance paid out within 24 hours of receiving evidence of medical cancellation.

I dont really get involved with go fund me but I feel slagging off those people who sound in a really bad way...well a bit shit really.

That’s not the insurance company not looking to pay out. The policy holder hasn’t declared medical conditions correctly and isn’t covered as per the terms and condition of the policy

Yes, I did in fact pay a fortune because I had to see a family member. But people are saying it's just simple to get, which it really really isn't. Nor is private treatment likely to be in most people's budgets. Of course people should get insurance, but the point is that a lot of people have no idea how difficult it can be until they are actually in that position.

I think I probably travelled under-insured as a student, as well. We didn't travel abroad much as children, and where I was from, health insurance was a different sort of industry to here, and not something I had any experience with. I didn't know about all the stories of people being denied payouts for not mentioning things, I had little idea of the sorts of exclusions policies would have, I just didn't really know anything about it, and my parents weren't in this country and wouldn't have been discussing it with me anyway. I just did what the travel agent might have recommended, and I don't think it involved answering questions about anything. I didn't know any different at the time.

There is a degree of privilege even in knowing about the ins and outs of travel insurance and the possible pitfalls and so on, and some people, especially young people, might just not be as aware. And people do make stupid mistakes at times. I still have some sympathy for them. Doesn't mean I'm donating, but I have sympathy. I don't think they're necessarily expecting others to pay, either, but they are asking - and what's the harm in that? I doubt they get much funding from the general public, but from friends and family etc who need an easy way to donate, and maybe some generous randomers will as well. I bet any extra they can raise helps. And if you're faced with life-changing injuries or expenses after a stupid mistake, you've already had some pretty awful consequences, so I can't begrudge them trying to get help.

And also to add in those situations we can offer to cover a proportional settlement.