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Dream holiday turns to nightmare—and a $25,000 bill after this freak accident

Travel

Dream holiday turns to nightmare—and a $25,000 bill after this freak accident

  • Maan
  • By Maan
1761530457475.png Dream holiday turns to nightmare—and a $25,000 bill after this freak accident
One slip, three fractures, and a $25k lesson. Image source: Facebook/Yahoo News NZ

The morning mist drifted above Italy’s Dolomite mountains as 72-year-old Ken Grady prepared his camera for what promised to be a breathtaking sunrise shot.


Moments later, a single misstep would turn a dream holiday into a painful ordeal—and a costly reminder for every Australian traveller.


What began as a picture-perfect morning quickly became an expensive lesson in what travel insurance truly means.




Ken and his wife Stephanie had joined a photography tour in the Dolomites last October, chasing the perfect landscape shot when disaster struck.


‘I stepped down from the grassy edge onto what looked like solid ground, but it was damp and my right foot twisted almost 90 degrees,’ Ken recalls.


What seemed at first like a sprain turned out to be far more serious. Ken had fractured his foot in three places—a tri-malleolar fracture requiring surgery, metal plates, and screws to walk again.




'Things can happen when you least expect them. I'm sure if we went back there again, it wouldn't happen—it was just a freak accident. You don't realise how suddenly things can go wrong.'

- Ken Grady



The ambulance ride to the nearest hospital took 30 minutes, marking the start of a long and difficult journey. Ken underwent surgery the next morning, then faced weeks of recovery in a wheelchair while managing flights and accommodation far from home.



What Medicare covers overseas—and what it doesn’t


Many Australians assume that reciprocal healthcare agreements will protect them abroad—but that’s not entirely true. Australia’s Reciprocal Health Care Agreement (RHCA) with Italy covers certain medical treatments through Italy’s public health system, and this safeguard spared Ken from even greater expenses.


Australians visiting Italy can access some Medicare benefits for up to six months, which covered Ken’s hospital stay and surgery. However, the protection stops there.




What Australia's reciprocal healthcare agreements DON'T cover


Additional accommodation costs during recovery


Changed flight arrangements


Private medical transport


Pharmacy costs for medications


Medical equipment like wheelchairs


Companion travel changes


Travel delays and disruptions




Ken and Stephanie were still left with $25,000 in out-of-pocket costs that Medicare couldn’t cover. Thankfully, their Southern Cross Travel Insurance policy reimbursed the entire amount.




The worrying trend among Australian travellers


Ken’s experience highlights a growing issue. A 2025 survey revealed that one in seven Australian travellers—around 14 per cent—went overseas without travel insurance, up from 13 per cent the previous year.


Younger Australians were even more at risk, with 23 per cent of travellers under 30 going uninsured on their most recent trip.



Why people skip travel insurance


The reasons many Australians give for travelling without cover show a concerning misunderstanding of the risks involved.


31 per cent believed their destination was safe.


27 per cent didn’t think insurance offered good value for money.


24 per cent admitted they simply forgot about it.


Ken’s accident in the seemingly serene Dolomites proves that even the safest-looking destinations can present unpredictable dangers.




The unique challenges facing senior travellers


For older Australians, the stakes are even higher. Age-related factors—such as slower reaction times, medication needs, and pre-existing conditions—can complicate even minor medical incidents overseas.




Why seniors need comprehensive travel coverage



  • Higher likelihood of medication-related complications

  • Increased risk of falls and fractures

  • Potential for slower recovery requiring extended stays

  • Greater difficulty navigating airports and transport with mobility aids

  • Higher costs for emergency medical repatriation if needed




Travel insurance is no longer a luxury but an essential safeguard for all travellers. From medical emergencies to last-minute flight cancellations, comprehensive coverage ensures peace of mind wherever you go.



A growing market responds to demand


With awareness rising, the travel insurance industry continues to grow. In 2024, the Australian travel insurance market generated USD 352.4 million and is projected to reach USD 451.8 million by 2033.


Most travellers—around 73 per cent—now purchase coverage, though 13 per cent still take the risk of travelling uninsured.




Government warnings intensify


The Department of Foreign Affairs and Trade (DFAT) has made its stance clear on Smartraveller: travel insurance is ‘as important as a passport’.


‘You must take responsibility for your situation when you travel. This includes your finances. Consular services are not a "backup plan" if things go wrong and you need money. We expect all Australians travelling overseas to take out appropriate insurance for their trip,’ the government warns.



Making the right choice for your next trip


Ken and Stephanie’s story is proof that travel insurance isn’t about expecting disaster—it’s about being ready when the unexpected happens.


‘We've done dozens of trips to different parts of the world—Australia, the US, Canada, everywhere—and nothing's ever happened. This was the first time we had to make a claim,’ Ken reflects. ‘It was the first time we'd ever had to make a claim. We've always had insurance when we travelled... I wasn't sure how it would go.’


Their story is a powerful reminder that travel insurance isn’t just about covering hospital bills—it’s about safeguarding your freedom to explore without fear of financial ruin.



What This Means For You


Even destinations that share healthcare agreements with Australia can still leave travellers with major coverage gaps—and those gaps can quickly become expensive lessons. A simple accident abroad can spiral into tens of thousands in unexpected costs, from extra accommodation and flight changes to private transport and medication fees.


What’s more, navigating these challenges far from home becomes even harder when you’re managing recovery, mobility, or medical needs. That’s why travel insurance should never be treated as an optional extra—it’s the one safeguard that ensures your dream getaway doesn’t become a financial nightmare. Before you set off on your next trip, make sure you’re truly covered—because peace of mind is worth more than any souvenir.




If you think Ken’s story was an unlucky one-off, think again—he’s far from alone in facing unexpected travel troubles that come with a hefty price tag.


Another recent story reveals how even the most experienced travellers are starting to question whether certain destinations are worth the risk.


From high medical costs to complex insurance challenges, this next piece dives into why some are rethinking where they choose to go next.



Read more: Older Australians Are Rethinking Travel to the US – Here's Why





Would you ever risk travelling overseas without insurance—or has experience already taught you why it’s not worth it?

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Well the old adage is, "If you can't afford the appropriate insurance, you can't afford the trip".
 
I never used to take out insurance back in the early days when I was much younger and first came over here but do now and always take it everywhere else. You just never know and you hear such horror stories. And people don't take it and don't read the fine print if they do then expect everyone else to pay for their problems when something happens. It's nit right, be responsible and don't take stupid risks.
 
My son and his family had a trip thailand recently. halfway through the holiday he exprienced terrible stomach pains which turned out to be kidney stones. He was not allowed to fly because of the pain he was in and had to have surgery in Thailand. The performance from the travel insurance people with his doctor to make sure he had never had this problem before was ridiculous. But eventually they paid up. The hospital would not release him till the bill was paid and it was quite a hefty bill, (but a beautiful hospital).although they were out of pocket for some expenses thank god they had travel insurance. They are going back next year to do what they missed out on but on the new insurance he had to declare the precious ailment and his insurance was dearer then the rest of the family
 
I will not travel without travel insurance. it's basically a safety net. It's better that nothing happens and if it does at least you have the knowledge that you are insured.
 
Lesson from this article if you can't afford TRAVEL INSURANCE NO TRAVEL, it's quite simple really. My travel insurance is $160 for 2 of us, it is attached to our Credit Card and covers us for EVERYTHING.
 
and this is why I always get travel insurance. I see too many horror stories about people not having insurance and getting stuck with a gigantic bill
 
The first step before taking out travel insurance is to research what countries have a reciprocal medical care agreement with the Australian government.

I paid for top travel insurance for a trip to New Zealand in 1983. Third day into the trip, I broke my right tibia in five places and was shipped to Wanaka hospital where I stayed for two days.

At no stage was I asked to pay for the treatment and one of the doctors informed about the reciprocal agreement.

So I wasted good money for no reason!
 
When we went to NZ we also took out insurance we were told we needed insurance and that was in 1982
 
The first step before taking out travel insurance is to research what countries have a reciprocal medical care agreement with the Australian government.

I paid for top travel insurance for a trip to New Zealand in 1983. Third day into the trip, I broke my right tibia in five places and was shipped to Wanaka hospital where I stayed for two days.

At no stage was I asked to pay for the treatment and one of the doctors informed about the reciprocal agreement.

So I wasted good money for no reason!
i can go to nz without any insurance as i was born there. anything else is now out of the question due to age and health, so, home i stay.
 
The first step before taking out travel insurance is to research what countries have a reciprocal medical care agreement with the Australian government.

I paid for top travel insurance for a trip to New Zealand in 1983. Third day into the trip, I broke my right tibia in five places and was shipped to Wanaka hospital where I stayed for two days.

At no stage was I asked to pay for the treatment and one of the doctors informed about the reciprocal agreement.

So I wasted good money for no reason!
NZ does have a reciprocal agreement with Australia. The only thing one pays for is medication. But that is when one is released from the Hospital.
 

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