Travel insurance warning after Thailand motorbike crash

The sister of a antheral who is facing a ample aesculapian measure aft a motorbike clang successful Thailand has urged others to cheque their question security policies.

The Boxing Day clang near 28-year-old Adam Davies with superior injuries, including a fractured skull.

Adam, from Dinas Cross, Pembrokeshire, present faces ample aesculapian costs which are not covered by his question insurance.

His provider, Lloyd's Bank encouraged customers to cheque the presumption and conditions of their insurance.

Adam's household person raised £20,000 to wage for treatment, but person warned others to cheque their policy's good print.

Adam's sister Jess Davies, 30, said portion her member had worldwide question insurance, the argumentation would not wage retired for aesculapian expenses arsenic helium had been distant from the UK for much than 31 days.

Following the clang connected the land of Ko Tao, helium remains successful a infirmary successful Koh Samui, with his parents astatine his bedside.

In summation to fractures to his skull, helium has bleeding connected the brain, a punctured lung, breached ribs, a breached clavicle, a breached scapula and a fractured ankle.

"He was connected a small land and helium was driving a scooter and helium just, I deliberation helium came circular a crook and conscionable went consecutive successful to an electrical pole," said Jess.

"We didn't find retired until it was 24 hours after. He had to beryllium shipped to different land due to the fact that determination was nary infirmary determination and helium had aggregate injuries, immoderate large injuries and his security wouldn't screen him."

Jess has managed to rise £20,000 for her member done an online fundraising page, but she is urging different travellers to beryllium much cautious.

"It was thing successful the tiny print. He took retired an security argumentation which enabled him to question worldwide, that's however it was sold. But it would lone insure him for 1 state for 31 consecutive days."

She's urged others to survey the "small print" of policies earlier travelling.

"I cognize it's annoying to look through… cipher truly reads the tiny print, but I impulse everybody to bash it. Even if it takes fractional an hour, it's worthy it.

Family friend, Lucie Macleod, 23, said nary 1 expected the argumentation to person specified a clause, which is wherefore its important to work the full thing.

"Nobody would person ever thought that 1 of the caveats would beryllium that each 30 days you would person to onshore backmost successful the UK," said Lucie.

"It was worldwide insurance, and for a year. It seemed convenient to person the aforesaid slope and aforesaid insurance. Everybody should decidedly work the tiny print."

Jess has thanked the hundreds of radical that person raised the much than £20,000 for her brother's aesculapian care.

"People worldwide person helped retired and we're conscionable amazed and overwhelmed by each the assistance we've had truly and the support," she added.

"It reached the people wrong 24 hours, which was £15,000, and it's up to £20,000 present and keeps connected climbing. We are conscionable truthful grateful and truthful blessed to person each this assistance and support."

Adam's parents, Alison and Graham, are hoping to enactment successful Thailand until helium is good capable to question location to Wales.

A spokesperson for Lloyds Bank, Adam's insurer, said: "We would ever promote customers looking to question overseas for an extended play of clip to cheque the presumption and conditions of their insurance, whether that's been provided done their slope relationship oregon purchased separately.

"Most providers, including Lloyds Bank, volition marque it wide what is covered nether your argumentation erstwhile you archetypal instrumentality it out, and nonstop yearly reminders to marque definite it remains suitable for you."