Travelling can be an exciting adventure, but unexpected situations can arise at any moment. Being prepared and knowing that you’re covered before you leave can make things easier — especially in an emergency. That’s where travel insurance comes in handy! Comprehensive coverage is very important and offers peace of mind, especially when travelling with children.
Recently, a Canadian family was on vacation in Florida when their plans were disrupted after Kate*, the daughter, had an accident. Read on to hear more about their experience—and how TuGo helped take care of Kate during her medical emergency abroad.
Child has horse-back riding accident while on vacation in the US
9-year-old Kate had an unfortunate horseback riding accident, while vacationing in Florida. Her parents rushed her to the hospital, where doctors performed several scans; the x-rays showed a fracture on the upper portion of her right arm, which she landed on, during the fall.
Due to the fracture type, surgery was required to realign the bone, including the need for external pins. Kate was kept in the hospital overnight and discharged the next day. A follow-up appointment was scheduled, as well as several x-rays, to ensure she was healing correctly.
How Travel Insurance saved Kate’s family over $191,000
Even one night in an American hospital is costly; luckily, Kate’s parents purchased Emergency Medical Travel Insurance for the whole family before their departure, covering their daughter’s medical expenses and care. If they had relied solely on their provincial healthcare, they would have been out-of-pocket $188,000, since their plan only covered $3,700—just a fraction of the costs incurred.
All and all, emergencies can happen to anyone, anytime and anywhere. So, the next time you’re planning a trip, think about purchasing comprehensive travel insurance, so you can relax with a sense of security, knowing you and your family will be covered for unexpected medical emergencies, while you’re away.
Questions about family travel insurance coverage? Leave us a comment below!
* Based on actual claim with specific traveller details changed to protect privacy.