Worry of Journey Insurance coverage Protection Results in Vacationer’s Unlucky Loss of life

Travel Insurance

An article printed in The Telegraph on September 21 tells the story of a British vacationer whose trip turned tragic due to his premature and preventable loss of life. Paul Schofield, 58, and long-term girlfriend, Rosalyn Davies, have been on trip in Iceland when Schofield died from accidents sustained whereas horseback driving. Nonetheless, the accidents alone are to not blame for Schofield’s untimely loss of life. Underestimating the extent of his accidents and subsequently minimizing the severity of the accident, his accidents have been misdiagnosed and finally led to his unlucky loss of life.


The couple ventured on a guided horseback driving tour that was speculated to final a full day. Each skilled riders, Schofield and Davies felt assured they may deal with the Icelandic terrain. Shortly after expressing points together with his saddle, Schofield fell from his horse, sustaining severe accidents.

Schofield claimed he might have cracked his ribs and sought medical remedy at a facility in Reykjavik. Schofield suffered one more fall when he and Davies arrived on the hospital attributable to a slip on volcanic rock and mud.

Because of his concern of ineligibility for travel insurance protection, Schofield knowledgeable the medical workers of his second fall in Reykjavik however not his first fall from the horse.

“He told them about the second incident of falling in the street and not the first. He and I were concerned about our insurance cover at that time,” Davies stated to The Telegraph Information. “We were worried that they would consider horse riding to be a dangerous sport. We didn’t appreciate at the time that the situation would become so serious and we thought that his injuries would be investigated at the hospital.”

Schofield was handled for 3 cracked ribs and was discharged. Shortly after arriving at his vacation condominium his situation rapidly worsened and he collapsed later that day. He was rushed to Nationwide College Hospital the place he succumbed to his accidents shortly after surgical procedure.


Paul Schofield: Picture through The Telegraph CREDIT: CAVENDISH/FACEBOOK

Schofield’s loss of life might have been prevented had his issues about his travel insurance protection not obscured his determination making and his account of the incident. With out all the correct info, medical workers was unable to make knowledgeable selections about his care.

After talking with a health care provider, who requested to stay nameless because of the delicate nature of this case, it was made clear 

“It is difficult to say that the outcome may have been different without knowing the medical practices and procedures of the facility where he [Schofield] was treated,” says one PA-C from the trauma unit of the Studying Hospital and Medical Middle, who requested to stay nameless because of the delicate nature of this case. “In my experience, horseback riding injuries tend to be taken very seriously as there are a lot of risks involved. Those injuries may have been approached a little differently than those of a healthy 58 year old male slipping and falling on the pavement.”

This ordeal not solely highlights how essential it’s for sufferers to be sincere with medical professionals, but in addition how essential it’s to know inclusions and limitations inside a travel insurance coverage.

“It is important to understand what is covered before your trip. Travelers may refer to their certificate for information regarding their coverages, but we always encourage travelers give us a call so we can help them get the answers to their what-if questions,” says Scott Perfetto, president of TravelSafe Insurance coverage.

“If you know what activities are and are not covered, you can arrange your itinerary to fit your own limits and needs. If you know scuba diving isn’t covered by your insurance past a depth of 35 feet, you may decide to go free diving or snorkeling instead. Exclusions for certain activities generally mean those activities are high risk.  Knowing your limits allows for you make better decisions.”

It’s crucial that vacationers know what they’re and aren’t coated for earlier than they buy a coverage. We urge each traveler to name us with questions relating to their travel plans, coverage info, and TravelSafe merchandise. TravelSafe values working with our prospects to decide on the plan finest suited to the wants of vacationers.