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Aussie couple’s $8,000 nightmare in Bali after birthday trip turns into holiday from hell

An Aussie couple have taken their insurer to task after their dream holiday in Bali turned into a nightmare and they were forced to pay off $8,000 in medical bills.

Kayla Heagney, 29, and her partner Nicola Fox, 30, flew with their two-year-old son from Newcastle, on the NSW central coast, to the Indonesian hotspot last week.

The family had been planning the trip for some time, with the overseas holiday a gift for Mrs Fox’s 30th birthday.

After they arrived, Ms Heagney began experiencing severe pain and decided to be examined at a hospital, where she was immediately placed in intensive care.

Doctors told her she had acute pancreatitis, a medical condition that occurs when the pancreas swells.

Kayla Heagney (pictured) was placed in the intensive care unit of a hospital in Bali while on holiday with her partner after being told she had acute pancreatitis

Kayla Heagney (pictured) was placed in the intensive care unit of a hospital in Bali while on holiday with her partner after being told she had acute pancreatitis

Ms Heagney was told she could die if she was not treated, but it would cost $1,500 a night plus additional medical costs to keep her in hospital.

Ms Heagney, who has been to Bali more than half a dozen times, initially thought it was just a mild stomach ache.

“It all happened very quickly, it was so frightening that I didn’t know what the outcome would be,” she said A current issue.

Ms Fox contacted their travel insurer Budget Direct to check whether their medical costs would be covered.

“The insurance company said they would take at least 24 hours to conduct their investigation to ensure that what Kayla was experiencing did not already exist,” she said.

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Ms Fox contacted her doctor, who advised them to fly back to Australia.

The terrified mum claimed Budget Direct had warned they would not cover her partner if she was discharged from hospital against medical advice.

“I felt like this was the only chance I had to go home and get the treatment, which meant I was going against what the travel insurance told us,” Ms Heagny said.

Mrs. Fox was forced to turn to her father for help to finance the cost of their plane tickets after the couple racked up thousands of dollars in medical bills.

“I called mom and dad and was crying inconsolably at that point,” she said.

“I just said we need help getting home. We can’t afford it because we spent all our money in the hospital and we couldn’t afford to go home.”

The couple then took the next available flight home after Mrs Heagney was discharged.

Budget Direct investigated the couple’s claim and their medical costs have been reimbursed.

Aussie couples 8000 nightmare in Bali after birthday trip turns

Aussie couples 8000 nightmare in Bali after birthday trip turns

The couple (pictured) were told by their travel insurer that they would not be covered if Mrs Heagney is discharged from hospital against medical advice

Mrs Heagney (pictured right) is now recovering at home after Mrs Fox (pictured left) was forced to turn to her father to help them cover the cost of their plane tickets

Mrs Heagney (pictured right) is now recovering at home after Mrs Fox (pictured left) was forced to turn to her father to help them cover the cost of their plane tickets

Mrs Heagney (pictured right) is now recovering at home after Mrs Fox (pictured left) was forced to turn to her father to help them cover the cost of their plane tickets

The couple said they were dissatisfied with the services provided by their insurer.

“I looked through all the product information and checked if they had a 24-hour phone line… so I thought I had done the right things,” Ms Fox said.

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“But the reception I received didn’t feel like a safety net at all.”

Ms Fox has warned travelers to make sure they double check they are covered when they go on holiday.

“I think it just makes you so strict with insurance. “I thought buying comprehensive coverage was enough,” she said Yahoo.

“We were fortunate that we had some money to fall back on, but that money quickly ran out to get the right coverage.”

A spokesperson for Budget Direct told Daily Mail Australia the claim was paid within 48 hours of receiving the couple’s request.

“Our travel insurance is supported by a highly trained and specialized medical assistance team, including doctors with several years of aeromedical and repatriation experience,” he said.

“Australian travelers are generally aware that flying is not without risk, especially on longer-haul flights, as there may not be the right medical expertise on board if something goes wrong.”

This is how you choose the right travel insurance

Think about where you’re going

Choose a policy that provides coverage where you are going.

Some travel insurance policies are region-specific, while others apply worldwide. Therefore, the level and cost of insurance coverage may vary.

Determine how much coverage you need

Travel insurers usually offer quotes depending on how long you will be traveling abroad for.

Travelers can choose from one-off travel insurance if their trip will last several days.

Insurers also offer multi-trip policies if you are traveling for a longer period of time.

Check whether you qualify for different types of coverage

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Travelers are urged to think about what they will do while abroad as travel insurers may not cover all activities.

Some activities are excluded from standard policies. People are therefore urged to apply for insurance specific to the type of activities they are likely to undertake.

Customers will have to pay extra to ensure certain activities are covered.

Consider your age and health

The type of insurance a traveler needs and how much it will cost depends on their age and health.

Travelers are urged to inform their travel insurance company if they have any pre-existing conditions and check whether their condition is covered by the policy.

Other Considerations

The Australian government will not reimburse your medical costs if you are uninsured.

Overseas travelers who fail to pay their medical bills while seeking treatment for an injury or illness in another country may be prosecuted, arrested and imprisoned.

Customers are advised to shop around for the best deal and read the product disclosure statement as not all policies cover all items.

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