The sister of a man who is facing a large medical bill after a motorbike crash in Thailand has urged others to check their travel insurance policies.
The Boxing Day crash left 28-year-old Adam Davies with serious injuries, including a fractured skull.
Adam, from Dinas Cross, Pembrokeshire, now faces large medical costs which are not covered by his travel insurance.
His provider, Lloyds Bank encouraged customers to check the terms and conditions of their insurance.
Adam’s family have raised £20,000 to pay for treatment, but have warned others to check their policy’s fine print.
Adam’s sister Jess Davies, 30, said while her brother had worldwide travel insurance, the policy would not pay out for medical expenses as he had been away from the UK for more than 31 days.
Following the crash on the island of Ko Tao, he remains in a hospital in Koh Samui, with his parents at his bedside.
In addition to fractures to his skull, he has bleeding on the brain, a punctured lung, broken ribs, a broken clavicle, a broken scapula and a fractured ankle.
“He was on a little island and he was driving a scooter and he just, I think he came round a bend and just went straight in to an electric pole,” said Jess.
“We didn’t find out until it was 24 hours after. He had to be shipped to another island because there was no hospital there and he had multiple injuries, some major injuries and his insurance wouldn’t cover him.”
Jess has managed to raise £20,000 for her brother through an online fundraising page, but she is urging other travellers to be more cautious.
“It was something in the small print. He took out an insurance policy which enabled him to travel worldwide, that’s how it was sold. But it would only insure him for one country for 31 consecutive days.”
She’s urged others to study the “small print” of policies before travelling.
“I know it’s annoying to look through… nobody really reads the small print, but I urge everybody to do it. Even if it takes half an hour, it’s worth it.
