A British backpacker travelling in Thailand has appealed for help after she was seriously injured in a motorbike crash and left with mounting medical bills when her travel insurance was found to be invalid.

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Chloe Foster, 26, from Medway, Kent, was attending a full moon party on Koh Pha-Ngan last Friday, 1 May, when she met a 20-year-old British tourist who offered her a lift on his motorbike. Speaking from her hospital bed, Foster said the rider was travelling “pretty fast” before the bike suddenly “did a whole 360”, throwing her from the vehicle and knocking her unconscious.

Foster said she later learned the man had fled the scene after the crash, leaving her alone on the roadside until another person found her and arranged medical help. She described waking up in hospital in Thailand as one of the “scariest moments” of her life.

The backpacker suffered multiple injuries, including a broken foot, a fractured cheek and a bloodshot eye. She also said the facial injury had left half of her face “paralysed”. After the crash, Foster discovered that her travel insurance policy would not cover her treatment costs.

Although she had taken out insurance before travelling, she said the policy became invalid because she had exceeded the 31-day maximum limit allowed for a single trip under the terms and conditions. In a statement shared through a GoFundMe page set up to cover her medical expenses, Foster said: “I was left alone and unconscious on the side of the road after a hit-and-run in Thailand.”

She added: “I was a passenger on a motorbike when it crashed. The driver got up and left me there, without calling for help. I don’t remember any of it, but I know I was lying there alone, unconscious, until someone found me and thankfully got me to the hospital.”

Foster said she now faces medical costs already exceeding GBP4,000, with bills continuing to rise as further treatment is required. She said she felt “scared, vulnerable and honestly a bit lost” while recovering alone far from home.

The incident has also prompted Foster to warn other travellers to carefully check the terms of their insurance policies before travelling abroad. She urged holidaymakers to read the “fine print” closely and to be cautious about accepting rides from people they do not know, especially if alcohol may be involved.

The Daily Mall reported the case highlights the financial risks travellers can face overseas when insurance policies contain restrictions linked to trip length or activities such as riding on motorbikes. Authorities have not released further details about the crash or whether any investigation is under way into the actions of the rider who allegedly left the scene.

Pictures courtesy of Daily Mail

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Adapted by ASEAN Now Dailymail 9 May 2026

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They keep coming and doing stupid things. Random stranger, no helmet. Fmp fools.

They all have one thing in common 💋

Haad Rin was the nicest beach there pre fmp.

So understandable if driving the scooter without licence & exceeded the 31 days insurance coverage but was a passenger (by a coward that just left her)

If you're on a motorbike taxi & they crash does your travel insurance cover you for that as some of the drivers have 0 liability insurance or again refused?

Been reported many times that some/many basic travel insurance exclude incidents on motorbike, jetski, parasailing, bungee jump etc.

I personally would expect the same on a motorbike taxi, unless one have a valid accident insurance, that cover this.

Driving without a valid license void insurance, same if under the influence.

It's all in the small print that very few take time to read or ask the insurance company, ahead of travel.

She could use the money she's now saved on a lip job

Well she doesn't need filler and Botox now!

Sorry for the lady, disgusted by the runaway.

8 minutes ago, Tyke said:

She could use the money she's now saved on a lip job

She's already got fish lips but I would say looking at her picture that she was born with them.

Did she start the usual #gofundme action already, famous for Brits without funds or/and brain?

Duck Lipped Blame Shifting Backpacker Hurt in Crash Faces Large Bill...

once she got her foot sorted out (which it was) she should have gone to her hotel, typical Thai hospital milking cash, how many people have broken arms/legs etc and gone home once it gets plastered, granted not always like that but 90% are, so she got a black eye and a cracked cheek - go to your hotel and have a few days rest

1 hour ago, phil2407 said:

So understandable if driving the scooter without licence & exceeded the 31 days insurance coverage but was a passenger (by a coward that just left her)

If you're on a motorbike taxi & they crash does your travel insurance cover you for that as some of the drivers have 0 liability insurance or again refused?

I would think your insurance wouldn't cover you under any circumstance if it has expired. The expiry date is something all would know upon purchase, it's not hidden in the fine print.

Edited May 9May 9 by Old Croc

Rather predictably not a lot of sympathy from those who like to put the boot into anyone who has made a youthful error of judgment

1 hour ago, OldHand2541 said:

Been reported many times that some/many basic travel insurance exclude incidents on motorbike, jetski, parasailing, bungee jump etc.

I personally would expect the same on a motorbike taxi, unless one have a valid accident insurance, that cover this.

Driving without a valid license void insurance, same if under the influence.

It's all in the small print that very few take time to read or ask the insurance company, ahead of travel.

If Big Insurance is so inflexible ...best to stay at home I think and watch TV

and watch their share price ...makes sound of

falling bomb !

Broken ankle about 5,000bht ..........

No other injuries apart from a bit of road rash.

And that wouldn't have happened if she'd been wearing a helmet.

No need for insurance payout!

But the government minimum on the m/c would have easily covered it if the guy had hung around (covers 30,000bht).

Edited May 9May 9 by BritManToo

6 minutes ago, MCos said:

Rather predictably not a lot of sympathy from those who like to put the boot into anyone who has made a youthful error of judgment

When I was young and stupid if you made a youthful error of judgement you had to wear it yourself or rely on your family to bail you out and not scream out for everyone to help you. That lesson also made you think before you made your next youthful error .

People are growing tired of these constant appeals for funds. Unless I know you personally, tough <deleted>, deal with it. Not to say I don't have some empathy, we were all young and stupid once, but, to be brutally honest, not my problem.

4 hours ago, Celsius said:

They all have one thing in common 💋

I was going to give her the benefit of the doubt and assume that she faceplanted the road with her lips, but perhaps they always look like that (since surgery)

If Big Insurance is so inflexible ...best to stay at home I think and watch TV

and watch their share price ...makes sound of

falling bomb !

I don't know about staying home. But anyone who has been reading in would be well advised to stay off scooters in Thailand. They seem to figure into so many tragedies.

Sadly, a lot of people have to learn from their own mistakes, and not from the stories of other unfortunates who took their learning lumps so I don't have to. That's the beauty of the printed word.

I'll repeat my favorite. I wish that was the dumbest thing I did at that age.

Edited May 9May 9 by impulse

1 hour ago, newbee2022 said:

Did she start the usual #gofundme action already, famous for Brits without funds or/and brain?

Of course. From the original story.....

"The Brit has since set up a GoFundMe to help cover the bill."

Not very ambitious in this case but makes you wonder if these people and their families have no money at all.

Edited May 9May 9 by Upnotover

25 minutes ago, flaming dragon said:

Brits yet again. The chivalrous young man and the duck lipped strumpet with her hand out. Looks like her white knight gave her a pair of Irish sunglasses as a parting gift. He did what sensible men do with duck lipped women: have your turn and leave her for the next punter.

I wouldn’t personally describe him as sensible. Irresponsible and reckless are two that spring to my mind.

16 minutes ago, Upnotover said:

Of course. From the original story.....

"The Brit has since set up a GoFundMe to help cover the bill."

Not very ambitious in this case but makes you wonder if these people and their families have no money at all.

I wonder if we'll see one day a #gofundme prior to the holidays just for financing

Tragik accident but there are three morals to the story

Never accept lifts from strangers

Always use a crash helmet and have it fastened

Do not over stay your welcome

I wish the lady well.

This needs to be used to promote using crash helmets come on Thailand wake up its in your interests

5 hours ago, Georgealbert said:

the policy became invalid because she had exceeded the 31-day maximum limit allowed for a single trip under the terms and conditions. In a statement shared through a GoFundMe page set up to cover her medical expenses

I reckon she may be in the headlines at a later date, candidate smuggling drugs back to the UK

Edited May 9May 9 by SAFETY FIRST

5 hours ago, Celsius said:

They all have one thing in common 💋

They think they double as airbags? 💋

Another wannabe goon , spent money on more important things like blown up lips and fake lashes , valid insurance “ nah that’ll be ok “

Some people pay big money to get lips like that.🙃🙃

5 hours ago, Georgealbert said:

A British backpacker travelling in Thailand has appealed for help after she was seriously injured in a motorbike crash and left with mounting medical bills when her travel insurance was found to be invalid.

Get today's headlines by email

Chloe Foster, 26, from Medway, Kent, was attending a full moon party on Koh Pha-Ngan last Friday, 1 May, when she met a 20-year-old British tourist who offered her a lift on his motorbike. Speaking from her hospital bed, Foster said the rider was travelling “pretty fast” before the bike suddenly “did a whole 360”, throwing her from the vehicle and knocking her unconscious.

Foster said she later learned the man had fled the scene after the crash, leaving her alone on the roadside until another person found her and arranged medical help. She described waking up in hospital in Thailand as one of the “scariest moments” of her life.

The backpacker suffered multiple injuries, including a broken foot, a fractured cheek and a bloodshot eye. She also said the facial injury had left half of her face “paralysed”. After the crash, Foster discovered that her travel insurance policy would not cover her treatment costs.

Although she had taken out insurance before travelling, she said the policy became invalid because she had exceeded the 31-day maximum limit allowed for a single trip under the terms and conditions. In a statement shared through a GoFundMe page set up to cover her medical expenses, Foster said: “I was left alone and unconscious on the side of the road after a hit-and-run in Thailand.”

She added: “I was a passenger on a motorbike when it crashed. The driver got up and left me there, without calling for help. I don’t remember any of it, but I know I was lying there alone, unconscious, until someone found me and thankfully got me to the hospital.”

Foster said she now faces medical costs already exceeding GBP4,000, with bills continuing to rise as further treatment is required. She said she felt “scared, vulnerable and honestly a bit lost” while recovering alone far from home.

The incident has also prompted Foster to warn other travellers to carefully check the terms of their insurance policies before travelling abroad. She urged holidaymakers to read the “fine print” closely and to be cautious about accepting rides from people they do not know, especially if alcohol may be involved.

The Daily Mall reported the case highlights the financial risks travellers can face overseas when insurance policies contain restrictions linked to trip length or activities such as riding on motorbikes. Authorities have not released further details about the crash or whether any investigation is under way into the actions of the rider who allegedly left the scene.

Pictures courtesy of Daily Mail

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Adapted by ASEAN Now Dailymail 9 May 2026

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Looks like she had a bill before the accident.