Disney Disaster - Reclaiming Medical costs help please!

PBA

abijanzo wrote: »

At last some constructive advice! Thank you ever so much.

No problem. I'm speaking of course as someone who never took an EHIC card but has always been lucky... Hope you manage to get some joy either from the DWP or from the travel agent.

Zoetoes

I really don't think OP not taking out insurance or E111 means she doesn't love her children as much as a parent that took it, after all her child still received treatment but OP had to pay for it that's all, she hasn't neglected her child, just left herself out of pocket.

Donnie

I think the OP has brought this situation on herself. Firstly for her 'mistake' in not noticing that she had no insurance. (I wonder quite when she noticed this fact) and secondly for her attacking of anyone who dared to mention her mistake.

Using the words cowardly and disgusting are hardly endearing and bear no correlation to any subsequent replies to the OP's post.

I fear that it is she that is doing the 'overegging'.

Either way, for me the matter is closed. She over-reacted; but in the end, it is nothing.

jonesMUFCforever

Makes you bloody wonder though how much a French person would be charged in this country using our NHS!

lisyloo

Makes you bloody wonder though how much a French person would be charged in this country using our NHS!

I believe that when you visit one of the participating countries that you get the same deal as the locals (so in our country that's free unless it's a road traffic accident).
Full detail will be avaialble on the doh site. (https://www.doh.gov.uk ?)

I would suggest that people would be better off putting their efforts into thinking how they will be covered when they go abroad.

Bear in mind that some insurere expect you to have an E111.

Zoetoes

Donnie wrote: »

I think the OP has brought this situation on herself. Firstly for her 'mistake' in not noticing that she had no insurance. (I wonder quite when she noticed this fact) quote]

I do agree with this, I would never travel without insurance, my point was OP didn't just leave her daughter ill because she wasn't covered, she still made sure she received treatment, she just had to pay for it herself.

If OP hadn't had enough money to pay for it that would be a different story. I suppose though it's lucky that it wasn't more serious, if daughter had needed an emergency operation could OP pay?

I'm sure OP now knows never to travel without insurance again. I can't see there being any way to claim either.

mystic_trev

abijanzo wrote: »

How could I have made it any clearer what kind of response I was expecting when I directly asked if anyone could help in advising if and where I could reclaim the money I had spent?
This is a money saving site which offers financial advice.

OK - You can't claim end of story! Don't try to applyfor an EHIC and put in a retrospective claim. Although there is only an expiry date on the card they will know when it was applied for. The last thing you want to add to you're problems is being prosecuted for fraud.:eek: You were lucky your 'incident' was not a lot more costly! Learn and move on.

reme-bod

Two points I'd like to make on this issue:
Firstly, I thought this was a forum regarding financial matters and advice, not a sounding board for all those who wish to attack people who post asking for advice. I'm sure there's an "I went on holiday and negligently got sick whilst mistakenly not taking out insurance so please feel free to attack me" forum. I ran out of petrol once on the way to Tesco and had to walk a mile with a jerry can. Please feel free to condemn me as a bad driver, a nuisance on the roads and an unfit father because it took me an extra half hour to get home and cook my children's dinner!
In the mean time can I suggest that those who are standing on their soap-boxes and judging the OP take a look at their own failings and stop being so quick to judge others?

Secondly, I have successfully claimed back retrospectively (non-fraudulently) by phoning the help-line and explaining the circumstances (I broke my collar bone whilst skiing in Italy). It was an E1-11 form then but I'm sure that much will have changed in the last couple of years or so. Give them a ring, be honest, and you may get a result. If not, you've lost the price of a phone call.

Hope this helps.

abijanzo

Oh my gosh.

I hope you have all enjoyed your moral debate at my expense. Of course none of you have ever made a mistake and so are free to cast your stones willy nilly.

I came asking a simple question - can I reclaim my medical costs and received some advice from one poster that was very useful - Thank you again for that.

I dont think I need say more about the negative comments I have received. I am just glad that I, and most of the people I know are not so quick to appoint themselves judge and jury and hurl accusations. I do think the implications that I neglected to gain insurance purposefully and therefore am a bad mother are disgusting and those that hurl abuse like that on these forums are in my opinion cowards. I doubt you would be so quick to accuse if you did meet me in person.

I will not go into details of how the mistake occurred as it is completely irrelevant to my request for financial advice - as are most ofthe replies to my post.

It is a sad state of affairs when people are so quick to judge and insult - it does make me wonder what kind of lives people like that must lead...probably quite lonely....


Please feel free mods to close this thread as I have received the advice I needed and have a claim form in the post from the nice lady I spoke to who kindly informed me I could claim even without a card.

Happy New Year to you all.

Voyager2002

I am really sorry that the holiday was such a disaster, and pleased that at least some of the costs can be claimed back.

My own experience with travel insurance is that the excess means that in a case like this, the amount of medical expenses that you can get back are minimal, probably not enough to justify the effort of claiming. So, had the OP done as everyone says she should and taken out insurance, it would have made virtually no difference to the final outcome (apart from perhaps receiving compensation for the ruined holiday).

The real importance of travel insurance is that if something seriously bad happens, where the cost of treatment runs into many thousands, the insurance company will pick up the bills. And for travel within most of the EU the EHIC card provides a reasonable degree of protection against this kind of thing. So, although I always have insurance when I travel, I often wonder why.