Travel: Dream Vacation from HELL

Here’s a travel insurance post from a preferred anonymous contributor. She is here to discuss something important people should consider before traveling. Enjoy!


What a complete and utter disaster my “dream vacation” has turned out to be! Granted it is technically “my fault” that I messed up when I was applying for my travel insurance, but I had no idea it would end like this!

I have a pre-existing medical condition that is generally not a big deal, and not something I ever really have to mention unless I land myself in a hospital for some reason. When I applied for the the insurance I took out on my trip, it really didn’t even occur to me that I would need to tell them about it (I know, I know, very dumb on my part…) but it is just so infrequently an issue and if I was placed in the “pre-existing” category who knows what the rates would have been like!

Anyway I start my trip and everything is going swimmingly! I am having a blast, the hotels I booked were perfect, the place is beautiful— really just an ideal vacation all around. Then, suddenly, after a night of the “finest” seafood I awake to something terrible rumbling in my stomach. For the next 48 hours I am in and out of the bathroom having the WORST two days of my entire life. I finally decide I must be so dehydrated I am about to die, and I check myself into the nearest hospital.

I am admitted over night, tons of tests are run (expensive tests!) and I am put an drip to get fluids back into my system. Thank goodness I took out that travel insurance! NOT!

Apparently, because I failed to mention my pre-existing condition my policy is now null and void and I am responsible for picking up all of the bills from my overnight vacation at the hospital. I am in the process of trying to fight it, but from the research I have been doing on sites like it seems I probably don’t have much of a case.

Looks like my dream vacation has officially turned into a nightmare!


Thank you, anonymous pal, for the great travel guest post. Loved the tips!

Have you ever had a problem with travel insurance? Tell me in the comments!

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  • Justin Bog

    I can’t imagine — how very sad & I’m sorry to hear about vacations gone bad. Nice tip on insurance.

    • Amberr Meadows

      Justin, I am so glad this wasn’t my vacation. Gotta always watch out for the seafood.

  • Scarlett

    What a nightmare!! Just shows the importance of Travel insurance! x

    • Amberr Meadows

      Scarlett, I know. Scary!!

  • Dina

    A similar thing happened to a friend of mine – so horrible! I hope it wasn’t too expensive x

    • Amberr Meadows

      Dina, I hope it didn’t cost my pal too much. A total nightmare!

  • Ingrid Dendievel

    We took a travel insurance last year and it saved us a lot of money. I ended in a Slovenian hospital for four days; without the insurance I would have paid 5.000 euros!

    • Amberr Meadows

      Ingrid, that would have been a small fortune. Yikes!

  • Lynn Hubbard

    A friend of mine had a death in the family and had to buy a new ticket and fly back sooner because of some loop whole. Travel insurance is a scam. They will do everything possible to get out of paying. Even if you had mention it.

    • Amberr Meadows

      Lynn, that is ridiculous they try to get out of paying. Insurance companies in general pretty much suck.

  • kat magendie

    Oh no! Dang – I always use trip insurance but now I’m going to have to take a closer look at this.

    I hope you’ll be able to convince them to pay.

    Ungh – insurance companies drive me INSANE!

    so sorry you were sick -

    • Amberr Meadows

      Kat, before I invest in travel insurance, I’ll have an attorney look over the details.

  • Carole Di Tosti (@mercedeskat45)

    OMG. That is pathetic. My cousin had the same problem in Italy…our ancestors are from there. But he was so sick and the doctor was no help. He was glad to arrive home. And he never went back. A shame.

    Thanks for the post…I always feel it’s not what you don’t eat (I don’t eat a lot and people comment on this all the time, while pigging out.) but it’s what you do eat that can kill you. Here is an unfortunate example.

    • Amberr Meadows

      Carole, that is such a shame. :(

  • Mary Kirkland

    I’ve never taken out travel insurance, but this does sound like a nightmare.

    • Amberr Meadows

      Mary, it really does!

  • Ciara Ballintyne

    Oh no! I’ve never had trouble with travel insurance, but then I give legal advice to three travel insurance providers. The problem I have is when one of thems ays ‘So, did you you use our policy?’ Um…yes…. *shifty eyes*

    I always read the fine print. Of course, it helps when the travel insurer has paid you to read it for them in the first place!

    My dad has had a heart transplant, though, so we know we won’t be able to get medical cover for him when we go to the UK. I believe Australia has a reciprocal health agreement in place, and I will look into that more before we go, so it should be fine.

    An Australian couple recently travelled to Canada though and she was pregnant. the baby was born very early (and all pregnancy care is excluded) and had to go into neo-natal care. They wound up with an uninsured bill of $1,000,000. they’ve had to come to an installment payment agreement and it will take them 200+ years to pay it back!

    • Amberr Meadows

      Ciara, what an awful situation for that Australian couple. That is just insane. They should just file Bankruptcy.

  • Maribeth

    What a nightmare indeed! I never avail of travel insurance.. Now I think I’m gonna need it. Thanks for sharing this experience.

    • Amberr Meadows

      Maribeth, just make sure to read the fine print first!

  • Cynthia Ann Katon-Alfonso

    I am just going on an Asian tour next week, so this is a timely read for me. Thanks for sharing.

    • Amberr Meadows

      Cynthia, I am glad you read this on time!

  • Intricate Knot

    Oh my, what a terrible thing to happen and then compounded by the insurance company denying her claim.

    • Amberr Meadows

      Intricate, it really is awful!

  • Lisa

    It’s always a good idea to review insurance policy before traveling. TKS!

    • Amberr Meadows

      Lisa, I fully agree!

  • Andi-Roo

    Yikes! never thought about taking out travel insurance, & now I know to be very careful if I ever decide it’s necessary. Thanks for the heads-up! :(