Brit Backpacker Hurt in Crash Faces Large Bill

A post with a disparaging and offensive British slang comment and a reply has been removed.

On 5/10/2026 at 3:34 PM, Off Piste said:

I've been here ages and always used private hospitals, I'd love to know the procedure/protocol how to use a government hospital in Chiang mai for example...........

As far as I remember ,this was many years ago , had a yellow book , as Thaksin had made

a law saying Farangs too could be covered under the free @ the time hospital treatment,

I was getting this for a few months ,then he ran away to Dubai , and new government

changed the law again ,stopping free treatment as they were abusing it, now its 30 Baht

for Thais, I still go to the government hospital ,lot cheaper than private hospital ,and

they don't try to push you into getting all kinds of procedures ,

The hospital I go to is at SanSai ,huge hospital now just opened up another big building.

I am the only Farang there when I go. a few months ago had a nasty accident ,falling off

a ladder and hitting my head on a wall , got a friend to drive me there ,and was wheeled

straight in ,cleaned up had MRI because it was my head ,and had 14 stitches ,looked after

wonderfly,

regards worgeordie Maybe I should have done a gofund me page 😊

8 hours ago, Yellowtail said:

I did, so?

Any number of people try to cheat insurance companies, do you believe otherwise?

I have never been cheated by an insurance company and have filed countless claims. I few had to be resubmitted with clarification, but they were ultimately paid.

What company cheated you out of your significant tsunami claim, and what reason did they give to not pay you?

Incidentally, of the 300,000 people that died, how many was the insurance company able to bring back to life?

It was which ever insurance company Trailfinders used at the time.

You need to bear on mind myself, wife and two kids lots everything except the clothes we were wearing. As luck would have it we left the beach about 30 minutes before the tsunami struck. I at least had my passport, some cash and bank cards. so this was claim for everything. The insurance company nit picked over what I claimed for, which to be honest was a bit of a guess. I mean I didn't actually know how many pairs of underpants I had, I guessed for example.

The laugh was on them, when I sat down with the wife and listed every single the thing the claim was 3 times bigger than the original claim. They actually paid out 3 times as much had they accepted the original claim.

"Incidentally, of the 300,000 people that died, how many was the insurance company able to bring back to life?" What has that highly offensive comment got to do with anything? When arguing with the stuck up manageress at the insurance company she was complaining about all the OT she was having to do. A win win then, I assume she was getting paid OT. 300,000 people died and she was complaining about working overtime. That was my point. Every single one of the people making a claim had paid for travel cover had paid a premium and she was complaining about having to deal with the claims. Typical tight fisted, bloody minded, cheating, money grabbing, scum bag insurance company.

I did tell the stuck up b***h that she she consider the company lucky that they didn't have to pay for four hospitalisations or four repatriations.

3 minutes ago, Geoff914 said:

It was which ever insurance company Trailfinders used at the time.

You need to bear on mind myself, wife and two kids lots everything except the clothes we were wearing. As luck would have it we left the beach about 30 minutes before the tsunami struck. I at least had my passport, some cash and bank cards. so this was claim for everything. The insurance company nit picked over what I claimed for, which to be honest was a bit of a guess. I mean I didn't actually know how many pairs of underpants I had, I guessed for example.

The laugh was on them, when I sat down with the wife and listed every single the thing the claim was 3 times bigger than the original claim. They actually paid out 3 times as much had they accepted the original claim.

So you were not cheated by the insurance company.

3 minutes ago, Geoff914 said:

"Incidentally, of the 300,000 people that died, how many was the insurance company able to bring back to life?" What has that highly offensive comment got to do with anything? When arguing with the stuck up manageress at the insurance company she was complaining about all the OT she was having to do. A win win then, I assume she was getting paid OT. 300,000 people died and she was complaining about working overtime. That was my point. Every single one of the people making a claim had paid for travel cover had paid a premium and she was complaining about having to deal with the claims. Typical tight fisted, bloody minded, cheating, money grabbing, scum bag insurance company.

I did tell the stuck up b***h that she she consider the company lucky that they didn't have to pay for four hospitalisations or four repatriations.

Yet they paid three times what you thought you had coming, the money-grubbers!

1 hour ago, Liverpool Lou said:

You really need me to tell you the reason they don't have yellow plates is because they're illegal...unlicensed and uninsured for public transport?

I thought you'd know, thanks. Do you know where the licensed, insured and legal ones are? The ones where the unsuspecting foreigner's accident insurance won't be nullified?

18 minutes ago, worgeordie said:

As far as I remember ,this was many years ago , had a yellow book , as Thaksin had made

a law saying Farangs too could be covered under the free @ the time hospital treatment,

I was getting this for a few months ,then he ran away to Dubai , and new government

changed the law again ,stopping free treatment as they were abusing it, now its 30 Baht

for Thais, I still go to the government hospital ,lot cheaper than private hospital ,and

they don't try to push you into getting all kinds of procedures ,

The hospital I go to is at SanSai ,huge hospital now just opened up another big building.

I am the only Farang there when I go. a few months ago had a nasty accident ,falling off

a ladder and hitting my head on a wall , got a friend to drive me there ,and was wheeled

straight in ,cleaned up had MRI because it was my head ,and had 14 stitches ,looked after

wonderfly,

regards worgeordie Maybe I should have done a gofund me page

20 minutes ago, worgeordie said:

regards worgeordie Maybe I should have done a gofund me page 😊

Many thanks Worgeordie................send me the link to your gofundme and I'll send enough to cover the bandaids..!!..I see the knock on the head hasn't affected your sense of humour..cheers alot........

3 hours ago, Yellowtail said:

So you were not cheated by the insurance company.

Yet they paid three times what you thought you had coming, the money-grubbers!

What poor understanding you have. I said the revised claim was for three times the original claim, not what they paid me. I made an initial claim made on my estimates not giving much thought to it. That claim was for £1000. The company bitched and whinged and refused to pay up. I then spent some time sitting down with the wife producing a detailed list. Added such things as two kids passports, her passport, getting the UK ILR added, her jewellery, wedding ring etc (that was one of the things that I could produce a receipt for), a full costed list of what was lost. That came to £3000 ie £1000x3=£3000. The company took off an allowance for wear and tear, cant remember if it was a half or a third. Did they try to cheat me, yes they did. It was only after several months of arguments and my perseverance did the cheaters finally pay me what I was owed. The whole experience was extremely unpleasant. Would have been even more so if I had to fight the cheaters over hospital costs.The whole experience was very stressful made worse buy the cheating insurance scum bags.

11 hours ago, Geoff914 said:

What poor understanding you have. I said the revised claim was for three times the original claim, not what they paid me. I made an initial claim made on my estimates not giving much thought to it. That claim was for £1000. The company bitched and whinged and refused to pay up. I then spent some time sitting down with the wife producing a detailed list. Added such things as two kids passports, her passport, getting the UK ILR added, her jewellery, wedding ring etc (that was one of the things that I could produce a receipt for), a full costed list of what was lost. That came to £3000 ie £1000x3=£3000. The company took off an allowance for wear and tear, cant remember if it was a half or a third. Did they try to cheat me, yes they did. It was only after several months of arguments and my perseverance did the cheaters finally pay me what I was owed. The whole experience was extremely unpleasant. Would have been even more so if I had to fight the cheaters over hospital costs.The whole experience was very stressful made worse buy the cheating insurance scum bags.

Ah, so the evil insurance company tried to cheat you, but you were too smart for them.

It's terrible they way they actually make you fill out the forms...

9 hours ago, Yellowtail said:

Ah, so the evil insurance company tried to cheat you, but you were too smart for them.

It's terrible they way they actually make you fill out the forms...

Who said smart. They could have simply paid out on my first claim. It was the insurance company that wanted infinite detail forcing me to list every single item. Every sock, every handkerchief etc etc. I would have been more than happy to settle on the initial claim. It was their cussedness, their intransigence so more fool them. Certainly not me being smart, just giving them what they demanded.

I had no issue what so ever with making the initial claim. They were the ones complaining about the over time. You keep going though.

22 minutes ago, Geoff914 said:

Who said smart. They could have simply paid out on my first claim. It was the insurance company that wanted infinite detail forcing me to list every single item. Every sock, every handkerchief etc etc. I would have been more than happy to settle on the initial claim. It was their cussedness, their intransigence so more fool them. Certainly not me being smart, just giving them what they demanded.

I had no issue what so ever with making the initial claim. They were the ones complaining about the over time. You keep going though.

So you filled out the forms and they paid the claim, oh the humanity!

1 hour ago, Yellowtail said:

So you filled out the forms and they paid the claim, oh the humanity!

No they did not pay the claim that I submitted. Do you not understand English. Many months later after a blistering row the bl00dy minded insurance company did finally approve a resubmitted claim. If you think 8 or 9 months after the loss, being bl00dy minded to the nth degree is a good way to business then I am glad to say in am not dealing with anything that you are involved in. Was the premium correctly paid, yes. Did I suffer loss, yes there was a ****ing great tidal wave. Were they awkward, prevaricate, argue, be rude and insulting, unnecessarily delay the claim, yes. Well if that is the way you think a business deals with its customers then say more about you than me. In hind site I wish I had taken them to the Insurance Regulator. Just goes to show. Most of us pay the premiums in the expectation that we will be looked after hassle free. In actual fact dealing with insurance companies is an extremely unpleasant experience.

3 minutes ago, Geoff914 said:

No they did not pay the claim that I submitted. Do you not understand English. Many months later after a blistering row the bl00dy minded insurance company did finally approve a resubmitted claim. If you think 8 or 9 months after the loss, being bl00dy minded to the nth degree is a good way to business then I am glad to say in am not dealing with anything that you are involved in. Was the premium correctly paid, yes. Did I suffer loss, yes there was a ****ing great tidal wave. Were they awkward, prevaricate, argue, be rude and insulting, unnecessarily delay the claim, yes. Well if that is the way you think a business deals with its customers then say more about you than me. In hind site I wish I had taken them to the Insurance Regulator. Just goes to show. Most of us pay the premiums in the expectation that we will be looked after hassle free. In actual fact dealing with insurance companies is an extremely unpleasant experience.

You said they refused the original claim, and made you fill out additional forms that tripled the value of the claim, and ultimately paid the portion of it they are responsible for. Is that not what you said, or did I miss something?

And all that grief for a thousand quid?

On 5/12/2026 at 3:17 PM, Yellowtail said:

You said they refused the original claim, and made you fill out additional forms that tripled the value of the claim, and ultimately paid the portion of it they are responsible for. Is that not what you said, or did I miss something

Not what I said, read it again. But don't be surprised if I don't bother responding. Since to love travel insurance companies so much let us all know what wonderful experiences you have had.

2 minutes ago, Geoff914 said:

Not what I said, read it again. But don't be surprised if I don't bother responding. Since to love travel insurance companies so much let us all know what wonderful experiences you have had.

I read it, you said it.

I never said I loved travel insurance companies.

You know you go to he** for lying same as stealing.

2 hours ago, Yellowtail said:

I read it, you said it.

I never said I loved travel insurance companies.

You know you go to he** for lying same as stealing.

You read it, you didn't comprehend it. I take he** is hell. Are you serious?