Protect Yourself from a Vacation Nightmare

The vacation photos tell the story.

You see 17-year-old Mary McClure and her mother, Dawn board a ferry to Nassau... then you see Mary with a broken leg.

Mary says, "I remember just screaming... somebody, hold my leg, hold my leg! And as I was laying there, you could just see it triple in size."

A scooter accident turned their dream vacation into a nightmare.

Dawn was frantic. She didn't have her cell phone nor a computer with her and didn't realize her U.S. medical insurance meant nothing to doctors or hospital staff in the Bahamas.

Dawn explains, "i walked in the door. They took her into the E.R. and I had to immediately pay $1,500."

Then Dawn was told before they could open up an operating room, she'd have to cough up another $8,000. Then the surgeon wanted his fee, another $4,000.

Dawn says, "It becomes such a nightmare. You go into this mode of... you're going to do anything to save your child."

Dawn also had to find a way to get her daughter home.
Mary was too ill to fly commercially so she was lucky. A stranger volunteered the use of his private jet.

Both mother and daughter now know the dramatic difference between health care in the U.S. and a third world country... and the importance of medical trip insurance.

If Mary had purchased such a policy just for that trip ... everything would've been taken care of...not just the medical expenses, but a special plane ride home.

The cost: $26.

Mary says she's learned. She'll never travel outside the U.S. again without it. And that's good advice for all of us.

The family's now hoping their insurance company will reimburse them for all they've paid in cash. We'll stay on top of it and let you know how it works out.

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  • by Sherri Location: Colorado Springs on Aug 9, 2011 at 07:19 PM
    I shudder to think what would have happened if this family hadn't been able to somehow raise the money? Would this beautiful teen have lost her life? We are so fortunate and take so much for granted in our own country. When planning a great vacation, considering the possibility that something could go terribly wrong just doesn't appear on the radar. Thanks for the great advice!
  • by Adam Location: worldwie on Aug 9, 2011 at 04:46 PM
    Betty actually called and interviewed by telephone and I explained to her that purchasing a reliable travel medical insurance policy can limit the financial risk of an unforeseen illness and accident while on vacation or traveling abroad. Most domestic insurance policies don't provide he necessary medical assistance or emergency medical evacuation transportation. We do at Insurance Services of America. Visit us online at or ask Betty Sexton.
  • by David Location: Colo Springs on Aug 4, 2011 at 09:19 AM
    Good advice! Unfortunately I'm sure the family's insurance company will find a way of denying reimbursement.
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