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With no travel insurance, Canadian family struggles to bring injured father home from Thailand

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2 hours ago, BritManToo said:

I had some of that, when I tried to claim they wouldn't pay.

That does not surprise me at all.

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45 minutes ago, henry2109 said:

If the unfortunate gentleman paid for his travel here by credit card. Then surely the credit card company has insurance built in.

 

45 minutes ago, henry2109 said:

This might be the case for the flight, if he has an accident on it. But hardely on everthing between the arrival and departure in Thailand. Some people often simply do not understand what is covered and not by their insurance.

If you use the card to pay for a portion of the trip, some credit cards, typically gold and platinum, include free travel insurance, which covers emergency medical treatment and repatriation to home country, for the whole duration of the holiday, usually up to 3 or 6 months.

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I am going to the Seychelles in March on a fishing trip.  Medical evacuation is USD$60,000 then there is the medical/hospital cost of wherever they take you.  Why would I not insurance?  Should I just wing it and hope that bad things won’t happen to me?  If travelers can’t even act in their own best interest then why should the government not step in?  If you can’t afford it then stay home.  
 

That said I do feel badly for this guy.  He never thought it would happen to him.

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This guy was living in Nanaimo, BC, Canada with his daughter. My apartment is 2 floors above them. I was in Thailand at the time this happened, but unaware of the accident.

I hope he recovers, but it doesn't look very good. I believe both his daughters are there now, in Thailand, to be with him.

 

I had bought some Health Insurance here before I left, from Pacific Blue Cross. I'm 62, a smoker, with no real health issues. My policy is good for 1 year world-wide, up to 10 million dollars. I can only leave the country for 120 days at a time, as per the policy.  It cost me $800 for 1 year....     Well worth it, considering the alternatives.

Edited by Kirkster57
extra information

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1 hour ago, PEE TEE said:

Sad news hope he can get it sorted. is a fact my friend from Canada had a bad motorbike crash the Canadian government paid for his hospital expenses including out patients . he told me he was covered in the event of accidents by the government . they also paid me for taking him back and forth every day for dressing change. mabey is only certain provinces that do this . wish him best of luck to recover       

I am a Canadian and was in Bangkok Pattaya hospital and was forced to pay my bill before release. We are covered by medical but only to the amount they would pay at home and when you return you have to send all bills to them and they decide what they will pay. Many things covered in Canada are not covered in Thailand, ie ambulance, some testing + other things. First and last time traveling without insurance but over 65 you get raped and gets worse with age. Used to spend 6 months a year in Thailand but can't afford to any more. Over 25 years.

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There is a GoFundMe page set up by his daughters...   I think the cost to fly him home is now $75,000.00 Cdn.......    they are a long way off from that.

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55 minutes ago, henry2109 said:

This might be the case for the flight, if he has an accident on it. But hardely on everthing between the arrival and departure in Thailand. Some people often simply do not understand what is covered and not by their insurance.

Insurance companies go out of their way with all their small print and legal jargon to confuse us, then use it to try and find an excuse not to pay out when a claim is made.

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52 minutes ago, Prince77 said:

It starts to annoy me that there is always a mix-up between HEALTH - and TRAVEL insurance. The later has nothing to do with age or existing pre-conditions - it is a travel insurance which covers accidents and unforeseenable cases of illness.

A travel insurance costs peanuts and should be mandatory for ALL visitors / tourist in Thailand for their own benefit and safety.

 

Of course it is not meant for so called "long stay tourists".

Agree with your post, except for the last part.

In my case being on long-stay in Thailand, travel-insurance (also covering re-patriation) is a very good solution.

When in my home-country (Belgium) I am very well-covered, as good as unlimited coverage at no cost because of having contributed during my working-life.

When in Thailand > For accidents and unforeseen illnesses I took a Belgian travel-insurance policy, extremely generous in all respects and costs only 250 Euro per year, covering all your trips to a max of 6 months per trip (after that you need to be back in Belgium for 2 weeks, in order that your next trips will be covered again).

As I visit my home-country at least once a year, that suits me fine.  And for the uncovered periods when I stay longer than 6 months in Thailand, I take an on-the-fly travel-insurance from WorldNomads for the exact number of days needed.  Cheap, fast and good coverage.

 

Edited by Peter Denis
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3 hours ago, jlwilliamsjr18 said:

Perhaps you can educate us.

"One can get "accident insurance" at the local bank for less than 2000 Bt."

I get 1m Baht accident insurance through Bangkok Insurance costs me about 3500 Baht per year and i am 73. Had to claim a couple of years ago as i fell on wet tiles and severed my ear, operation cost 85,000 Baht. Any other insurance i cannot get now as have too many conditions.

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I don't understand, he is married to a Thai, but he wants to go home. Isn't home where your wife lives? Is he just going to abandon her? And when he gets a taste of Canada's medical system, I think he will wish he stayed in Thailand.

Edited by NoBrainer

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3 hours ago, bluesofa said:

I wouldn't really describe falling off a ladder as a hazardous pursuit?

The majority of deaths from falls happen at 2to 4 feet, injuries 1 to 3 feet. Think about it if you are standing 2 feet above the floor on a ladder, if you are 6 feet tall your head is 8 feet above the floor.

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3 hours ago, sean420 said:

I get 6 months insurance their Square Mouth insurance company and its $200 American.Its travel insurance but it works.i sometimes get 2 months at a time and it's $60 for 2 months.

this guy needed to fork out 2000 baht for 2 months

ever tried to make a claim. let us know how good it is after this

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4 hours ago, friendphil said:

I BELIEVE that you're way off on the 2-3 beers per day cost of insurance.  And at that age, when I lived in Thailand, it simply was not available, at least through Thai providers, and the farang provider options that were available were simply out of reach of most farangs living in Thailand. 

Travel insurance costs us 120£/year at age 73. Not affordable? Or buy accident insurance.

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4 hours ago, 4MyEgo said:

Sad news, hope he recovers, but I cannot understand people that skimp out on health insurance and or travel insurance. From my calculations, it costs between 2-3 beers a day for someone that age, and yes I understand some can't get it because of their age and pre-existing conditions, but @ 66, come on, at least self insure, and at that age, if you haven't got money, you should stay in your home country as opposed to being a burden to others, harsh words, yes, but Thailand owes us nothing and we shouldn't be a burden on Thailand. No doubt I will cop some slack here for my open opinion, but it is what it is, the truth, he is now a financial burden to his family on both sides of the fence.

 

I would hate for something to happen to me which would make me a financial burden on my family, either side of the fence, so I take out medical insurance and travel insurance when I travel, sure it costs, but the burden is on me.

 

All good in a perfect world,but the big question is would he have covered by an insurance policy doing what he was doing,I’m pretty sure there would be something in fine print to protect the insurance cover as per normal 

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I'm Canadian living between Taiwan and Thailand.  I have the government insurance health plan in Taiwan but I would NEVER enter Thailand without personal coverage.  I come for 30 days next month and I bought my plan 2 months ago.  I had Canadian relatives visit twice over the last 2 yrs. and I warned them about Thailand / hospitals / driving and they told me their banks had automatic coverage or they payed next to nothing through their bank to get it.  Not sure why this guy didn't have it?  Anyone with prior knowledge as to how they drive in Thailand and not be covered makes you wonder.   

Edited by mushroomdave

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