Travel insurance: Young Melbourne woman left thousands out of pocket after Thailand jet ski accident

By Freya Noble

 

Stephanie Kaiser, 24, was on the trip of a lifetime with her partner and friends when it turned into a nightmare. (Supplied)

 

A young Melbourne woman has been left thousands of dollars out of pocket after a jet ski accident in Thailand.

 

Stephanie Kaiser, 24, was on the trip of a lifetime with her partner and friends when it turned into a nightmare.

 

While vacationing on the holiday island of Koh Samui in June 2016, Ms Kaiser was hit by another jetski rider. She now faces the reality of being in pain for the rest of her life.

 

Stephanie Kaiser, 24, was on the trip of a lifetime with her partner and friends when it turned into a nightmare. (Supplied)

"I remember waking up in the water with blood surrounding me," Ms Kaiser told Weekend TODAY.

 

Full story: https://www.9news.com.au/2018/08/26/09/45/travel-insurance-woman-left-thousands-in-debt-thailand-holiday-accident

 

-- 9NEWS AUSTRALIA 2018-2018-08-27

Trip of a lifetime my ass, if you go to Phuket these days you're 'slumming it'.

All too familiar story, people have lots of money to spend on holiday but buying a basic insurance coverage is a waste of money for them, however, no travel insurance will cover a leisure vehicle accident, so even if she had a cover that would not have applied in this case...

she had travel insurance, but they wont cover expenses in her home country   Thats pretty typical   its surprising the insurance in her home country wont cover the rest when she is there.   Travel insurance does cover these activities if you purchase the correct policy.  My insurance covers scuba, jet ski and motorcycle as long as i have a valid motorcycle license in my home country

Edited August 26, 20187 yr by bangkokbanjo

I must be hanging around Thai women too much, she looks 40, not 24

Had the accident been in Pattaya she would have had to deal with a claim of thousands of $ to repair the jet-ski.

44 minutes ago, ukrules said:

Trip of a lifetime my ass, if you go to Phuket these days you're 'slumming it'.

Phuket???? 

seriously you guys, did you actually read the articles before you posted ?

 

 

56 minutes ago, bangkokbanjo said:

she had travel insurance, but they wont cover expenses in her home country   Thats pretty typical   its surprising the insurance in her home country wont cover the rest when she is there.   Travel insurance does cover these activities if you purchase the correct policy.  My insurance covers scuba, jet ski and motorcycle as long as i have a valid motorcycle license in my home country

Not at lot of details here but she is 100% covered by Medicare if she is an Aussie. I am assuming she is talking about ongoing treatments as she is it is about being in pain for the rest of her life. No insurance I know of can cover that. I did my Achilles in Thailand years ago was covered by insurance and repatriated home but wasn't covered for all the physio, and the 8 months I had to have off work. But I was young and stupid and in Thailand so suck it up. Bit over the whole someone else needs to pay my freight mentality. Be responsible for your actions.

Edited August 27, 20187 yr by starky

No pity here. An accident is an accident and jet skis are a risk just as renting and riding a motorcycle here, in Thailand. 

1 hour ago, Jdiddy said:

I must be hanging around Thai women too much, she looks 40, not 24

There is no need for that racist comment. 

This is about travel insurance. If you want to go down the road of comparing thai women to foreign. Let me show you some pictures of some fat thai past their use by date of 25. 

Obviously she deserves sympathy and she did the right thing taking out accident insurance.  You have to read the fine print expecially if youre going to Thailand and riding jetskis.

Obviously the jet ski  operators  have no insurance. This is Thailand.     Their  attitude......your fault ,we didnt force you to come here ,farang!

Dont hire jet skis or motorbikes in the Land of Wicked Smiles. 

Phuket and Samui are not quality tourist destinations and Australians know it.

Most bucket shop holiday packages are for Phuket and Bali.  Return airfares and accomodation packages are so cheap to Thailand  the hotel is basically free.

 Probabaly the same as Brits and Germans  going to a rubbish  Greek island  or maybe another off the coast of Turkey.

Yanks can have their bucket shop holiday packages in Mexico.  I can imagine cheap resort beaches there would have thousands of Mexicans selling crap on the beach.

I never understand why people go for the cheapest holiday insurance I always go for the best regardless of cost .

7 minutes ago, lanista said:

Obviously she deserves sympathy and she did the right thing taking out accident insurance.  You have to read the fine print expecially if youre going to Thailand and riding jetskis.

Obviously the jet ski  operators  have no insurance. This is Thailand.     Their  attitude......your fault ,we didnt force you to come here ,farang!

Dont hire jet skis or motorbikes in the Land of Wicked Smiles. 

Phuket and Samui are not quality tourist destinations and Australians know it.

Most bucket shop holiday packages are for Phuket and Bali.  Return airfares and accomodation packages are so cheap to Thailand  the hotel is basically free.

 Probabaly the same as Brits and Germans  going to a rubbish  Greek island  or maybe another off the coast of Turkey.

Yanks can have their bucket shop holiday packages in Mexico.  I can imagine cheap resort beaches there would have thousands of Mexicans selling crap on the beach.

Obviously  ..... you gave her a sentence of sympathy then spent the rest of your post trashing everything. It looks like it was good for you, and that's what its all about eh, 

 

Another tragic case of Nigelandnistas at large Fah!

1 hour ago, starky said:

Not at lot of details here but she is 100% covered by Medicare if she is an Aussie. I am assuming she is talking about ongoing treatments as she is it is about being in pain for the rest of her life. No insurance I know of can cover that. I did my Achilles in Thailand years ago was covered by insurance and repatriated home but wasn't covered for all the physio, and the 8 months I had to have off work. But I was young and stupid and in Thailand so suck it up. Bit over the whole someone else needs to pay my freight mentality. Be responsible for your actions.

I dont think thats right. Medicare covers almost everything including operations but aftercare including specialist care having returned to OZ after a jetski crash in Thailand  is pushing it.

Thailand is well known for its total lack of safety standards.

 

You pay peanuts you lay down with monkeys.

Who can forget the Brits who were threatened  by a  rifle wielding jetski thug ( JJ )  in Phuket  some years back.

Cost them 35,000 baht from memory.

I lived in Thailand for three years and never found a beach worth while. Thai beaches can't hold a candle to Hawaii, Caribbean or Keys in Florida. The water is dirty, murky and not pleasant at all. I don't get the hype to fly 8,000 miles to call it the "trip of a lifetime". No you are talking about the colorful brochures and not reality.

Off topic troll post removed

2 hours ago, greenchair said:

There is no need for that racist comment. 

This is about travel insurance. If you want to go down the road of comparing thai women to foreign. Let me show you some pictures of some fat thai past their use by date of 25. 

 His comment was about face not race. 

 

 

Edited August 27, 20187 yr by tweedledee2
error

2 hours ago, greenchair said:

There is no need for that racist comment. 

This is about travel insurance. If you want to go down the road of comparing thai women to foreign. Let me show you some pictures of some fat thai past their use by date of 25. 

How odd that you call him out for being racist and proceed to be both racist and fatist?

3 hours ago, ezzra said:

All too familiar story, people have lots of money to spend on holiday but buying a basic insurance coverage is a waste of money for them, however, no travel insurance will cover a leisure vehicle accident, so even if she had a cover that would not have applied in this case...

I have no sympathy for a lot of Aussie tourists engaging in any activity in Thailand or other countries, they have no licence or experience riding jet ski motorcycle, so what makes them think they can operate them over seas ?? If they had any brains they can do all the activity’s here in Aus that Thailand offers and be fully covered without taken any insurance, and what gets up my nose is they then want to set up a go fund me page to help pay the cost of their medical care (like hell  go fund your own stupid mistakes) 

1 hour ago, jimcarr65 said:

I lived in Thailand for three years and never found a beach worth while. Thai beaches can't hold a candle to Hawaii, Caribbean or Keys in Florida. The water is dirty, murky and not pleasant at all. I don't get the hype to fly 8,000 miles to call it the "trip of a lifetime". No you are talking about the colorful brochures and not reality.

8,000?  

6 minutes ago, geoff65 said:

I have no sympathy for a lot of Aussie tourists engaging in any activity in Thailand or other countries, they have no licence or experience riding jet ski motorcycle, so what makes them think they can operate them over seas ?? If they had any brains they can do all the activity’s here in Aus that Thailand offers and be fully covered without taken any insurance, and what gets up my nose is they then want to set up a go fund me page to help pay the cost of their medical care (like hell  go fund your own stupid mistakes) 

What have you got against Aussies?  No licence needed for a jetski and how in hell do you know if she has experience or not, she may be the Aussie jetski champ for all you know, which is clearly not a lot.  Poor kid probably just got run in to by some nutter and is totally blameless.

She'll be OK, There's a .........drum roll........?‍♀️......................Go fund me page been set up to cover her medical bills!

 

Where do people get off thinking it's OK to ask total strangers for money, people who they have never met in their lives to help them out of a situation because they never read the insurance small print?

 

I would never ask anybody for anything, I would be too embarrassed. Maybe, I am just old school.

This happened in June 2016 .?

Why is it news now 

plus you can always depend on the Go fund me  if things go wrong 

Go fund me.

 

p.s. Can't she sue the guy who crashed into her? If he exists.

It was just painful having to read another story like this again. Do you think my insurance covers this on going pain????

3 hours ago, greenchair said:

There is no need for that racist comment. 

This is about travel insurance. If you want to go down the road of comparing thai women to foreign. Let me show you some pictures of some fat thai past their use by date of 25. 

I've read that comment a couple of times. I even read it backwards. I cannot find any racist content in it whatsoever.

 

The word racist gets tossed around with such wanton abandon these days it has completely lost the significance of its meaning. What he said is generally true. SE Asian women tend to keep their figures and looks far after the typical Caucasian Western woman has lost theirs. My wife is 42 and had a body that would make most Canadian teenagers jealous and she is 100% average around here.

3 hours ago, greenchair said:

There is no need for that racist comment. 

This is about travel insurance. If you want to go down the road of comparing thai women to foreign. Let me show you some pictures of some fat thai past their use by date of 25. 

You obviously haven't read the memo. You can't be racist towards white people. I don't think you've been paying attention at your SJW workshops.

I thought news was meant to be new? This is 2 years old

5 hours ago, greenchair said:

There is no need for that racist comment. 

This is about travel insurance. If you want to go down the road of comparing thai women to foreign. Let me show you some pictures of some fat thai past their use by date of 25. 

Fortunately you just managed to swerve around making a racist comment yourself there... or did you?