The family and friends of a young man from New Zealand are working to raise funds to pay for Sean Kenzie’s spiraling medical bills after he was involved in a traffic accident in Phuket.
On June 30th, Mr. Kenzie was riding a motorcycle, a common mode of transportation in the area where he was visiting, when he was hit by another vehicle and suffered a split liver, broken ribs, punctured lungs, and more. He was taken to a local hospital and his immediate injuries were treated.
With his foreign medical bills spiraling higher, the family was horrified to discover that his travel insurance excluded medical expenses that occur from motorcycle accidents. The family reportedly believed that Mr. Kenzie’s travel insurance coverage was ‘full coverage’ and they assumed that meant it would cover everything – even riding a motorbike.
That’s not the way insurance works, however.
No insurance covers everything and all insurance – your home insurance, health insurance, car insurance, life insurance, etc. – has limitations and exclusions that the insured must understand and abide by if their coverage is to be valid. This is also true of travel insurance, which automatically excludes riding motorcycles, scooters, and ATVs, as well as many other activities that are considered ‘high-risk’ by the insurance companies.
See a list of What Travel Insurance Does Not Cover for more details.
At Travel Insurance Review, we are saddened when travelers face disasters like these, and we would like to express our sincere hope for Sean Kenzie’s very best recovery. We would also like to take this opportunity to remind travelers that it’s important to stop and read your travel insurance policy to understand the exclusions.
Sean Kenzie’s family and friends have started a Facebook campaign to raise funds to transport him home and pay for his medical bills. You can check on their progress and contribute at Save Our Mates Life.
CHAR says
I have a question, well, firstly, let me give some details. I travelled last year to the Caribbean for a funeral. First time in 12 years. While there, helping with arrangements, I was in a car acccident that left my right foot completely fractered. I’m currently still going through physical therapy, pro-bono…thanks to my therapist who stated that without his help, I will not be able to walk. Now my question is, Are there attorneys who practice in this field worldwide/Internationally?…I ended up missing my Dad’s funeral and the guy who was joyriding and speeding is getting away with doing so, just because he lives in a “third-world-country” who’s laws couldn’t care less about it’s people, let alone visitors. With the length of my still-ongoing recovery, I have lost my job and with an ailing mother, still in that wretched country, I have no way or means to get back to her. Are there lawyers that can help with this? Thank you in Advance.
medical bills says
The healthcare industry and the insurance industry are nothing but big corporate entities with one purpose in mind. To make money and profit off the sick people in this country. They are greedy and will squeeze every nickel and dime they can out of you. There is no rhyme or reason why healthcare in this country is so expensive and complicated. The drug companies are the same way. We who have to pay for our insurance and healthcare are getting mediocre care at a sky high price. We are nothing but sheep being ripped off.