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 ‘

It funded my best friends private brain tumour treatment for a year.
I'd throw myself out of 200 more planes for one more day with her.

I took my first travelling trip at 18 and I remember my Dad then teaching me I should always travel with an empty balance credit card to have to put down if I need medical treatment, because a foreign A&E is not the place to be trying to sort paperwork. I have had one with me for every trip for the 22 years of my life.

Maybe I was just fortunate to be taught this early- and thankfully I've never needed anything more than a cut stitching- but even then I think I had a £4k balance card. My emergency travel credit card these days is an £8k balance. It gives you huge piece of mind. And before you suggest we were privileged- we really weren't- I saved the money to travel working a catering job and qualified for the maximum income help when I made it to University.

And how many "go fund me's" are actually scams?

I find it hard not to sympathise with someone who is now paralysed, even if it's from a foolish action and without insurance. No need to kick them while they're down.

Agree op, including doing silly things that invalidate your insurance. I’ve heard of young teens for example going on holiday, lying about their age to get access to certain activities and then being injured. Insurance was invalidated because they lied about their age and weren’t supposed to do the activity.

Yanbu. Insurance can be as little as £20-30, so stupid not to make sure you’re covered.

It’s a legal agreement - you need to read and know what you are buying before you buy it

Perhaps you should have bought them a voucher for Aviva or Churchill instead? They'd have no doubt been delighted 😀

I can see your point, but try this, bought very expansive insurance £ 300 for year for one. 4 weeks before travel national screening test comes back positve, further teats needed but following triage 2 month wait, advised no reason not to travel by service and GP. Insurance now wont cover the issue or pay for cancellation. No other insurance policies will cover. Choice is to go with this organ excluded of loose family holiday worht £6k as too close now to be changed or moved by travel company. Happened tonone of my patients.

Apologies- didn't attach quote before

Perhaps you should have bought them a voucher for Aviva or Churchill instead? They'd have no doubt been delighted 😀

My travel insurance is fairly expensive because I'm getting on in age and I do have things I have to declare.

So I pay that and choose less expensive accommodation. Ibis hotels, for instance, are fine if you're like me and just sleep and shower in them.

@Monetsbridge did you not think to read ‘the small print’?
Surely everyone can do that.

Don’t read the thread then!

YANBU OP. Most of those people are entitled and think they’re not responsible for their own problems, and it’s down to others to sort them out. GoFundMe for getting into a fight FFS!

I agree, if you can't afford Insurance you can't afford a holiday.
Most of these idiots seem to have a good excuse as well along the lines of them not realising something - one yesterday claimed they thought that her mother would be covered under thier family policy despite her being in her 60's, not living with them and going on holiday without them!
When DD did her first solo holiday she said she didn't need it as she wasn't taking any valuables so I explained why she did so maybe there is a lack of awareness with some people but I also think too many people think that the govt will help instead

You can either choose to go with it excluded, or pay for a private diagnosis, or take the risk and not declare it.

I agree - travel insurance is literally a few quid for the fair majority of healthy people which the majority of these go fund me are for. There’s even pop ups on travel websites giving a cost for insurance when you’re booking your holiday

Then there are the people with multiple health complaints who don’t get insurance because ‘it was too expensive’ and then have issues on holiday and you get a sad faced go fund me going on for them!! Ridiculous. My son had multiple health issues mainly relating to allergies when he was younger and our insurance was ridiculous - but we got it every year.

DP has a travel insurance policy continually running which covers all of us - part of a work thing he pays into and blimey for the entire lot of perks he receives it does cost us quite a lot!!! But well worth knowing we are fully covered for every eventuality and don’t have to check an insurance policy wording each time we book

I've never contributed, or been asked to contribute, to a Go Fund Me, but most of them sound a bit grabby and opportunistic.

That said, accidents happen, and I think by the time the consequences are there (e.g. person is paralysed for life), the time for judging has often passed.

All the best to you OP.

You’d need something like £20k plus for some of the most basic emergency treatment abroad. A £4k credit card isn’t going to get you very far.

While I understand the sentiment nobody is compelled to pay cash to 'Go Fund Me'.

How were these people helped/repatriated before GfM?

The worst one was the grandma who took her family on a 3-week Disney holiday of a lifetime for £30k but didn’t get travel insurance for her multiple health conditions because it was “too expensive”. And then there she is in hospital with family members doing sad faces and “Get Mum home” appeals. Pay to get her home yourself you skinflints!

Haha
They've caused us so much trouble I wouldn't have wasted a phone call
Made me laugh when they moved back in and had a go at us for not donating £50!
Entitlement is off the scale with that family

I will only give to funds I have personal knowledge of the people and circumstances involved (and there's no good reason not to).

If people don't have insurance, that's on them. I also don't give for funeral appeals. I paid for my own child's funeral by taking a loan. No-one was giving me anything for it and I wasn't asking.

I guess they found the money from somewhere. I used to work for the emergency medical assistance team. I organised a lot of private cases which involved repatriating people back home as they didn’t have insurance.

I get the frustration, honestly. On paper, it's such an easy thing to sort out.

But I think most of us have had those moments where life gets messy, we're distracted, or we just don't read the small print until it's too late. I've been young and idiotic on holiday and have come through the other end and now with many years under my belt and perhaps some wisdom - I will always shell out for travel insurance (and I have to shell out because I have the kind of rare idiotic medical syndrome that doesn't cause me a problem in my normal life but of course one day sod's law I'll be on holiday and it will and the insurance company will haul me over the coals for not declaring 😂and then I'll be the one making sad face go fund mes). I think holding a bit of grace for people at their absolute lowest. We've all made daft mistakes. Most of us just got lucky that ours didn't end that way.

They stick the holidays on credit cards and hope for the best