So really there's nothing that could have been done to avoid her travelling, and TB is obviously pretty serious. (Yes, I understand the chronic sinusitis sufferer in the immediate family felt like rubbish but until Covid hit, he had to travel for work which was a prolonged preparation of drops, tablets and continual headaches. He had to stop flying during Covid, had the surgery and now cannot believe the difference. )The TB patient was diagnosed after the flights.
She felt well but after the flight coughed up blood and had an alert GP so the diagnosis was made.
@Pushka she probably felt better than most with chronic sinusitis.
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Helpful to know they came to the party - I presume this was Chubb, as is currently with the Qantas ultimate cardOur story:
BTW, my AMEX Platinum included travel insurance covered all other medical and accommodation costs.
Yes, Chubb with platinum charge cardHelpful to know they came to the party - I presume this was Chubb, as is currently with the Qantas ultimate card
TL;DR; you fly when you're sick because TI says you won't get covered if you're not hospitalised, and your flight is non-refundable.For those saying "that's what TI is for" or "why would they fly if sick?", I don't know of any TI policies that cover you if you choose not to fly because you are sick and don't want to infect others. They only cover you if you are assessed as being medically unfit to fly, which is not the same thing.
Did you read the PDS and/or ask any questions before purchasing the TI? I tested positive 2 days before I was meant to fly back to SYD from NY (J class). This was when AU and QF stopped requiring testing for flying/entry, but NY still had a 5 day quarantine requirement.TL;DR; you fly when you're sick because TI says you won't get covered if you're not hospitalised, and your flight is non-refundable.
I probably could have (if push came to shove) found accommodation in Reykjavik for 5 or 10 days - but I was still testing positive 10 days later.
I could have afforded to pay for new business class airfares at peak season from Reykjavik to Melbourne, if I'd had to.
But TI would not have helped.
More to the point, they'll do very little for you when you are very sick in terms of offering on the ground assistance. My father - 88 years old and with pre-existing morbidities caught covid in 2022. TI covered COVID and his pre-existing conditions (and would want to - cost him $4500+).
Travel insurance basically said "sure, if he's hospitalised, we'll help, but until then, good luck".
Local health (Iceland) were great, we were in a remote area, arranged a phone consult for us, told us how to arrange emergency medical care if we needed it, where to turn up if we felt we could drive there, or to call an ambulance if we felt we couldn't, but basically said "sorry, we don't have antivirals in Iceland, so there's not much more we can do other than offer advice on symptomatic treatment". The doctor did provide a phone script for some drugs that would be OTC in Aus but were script in Iceland for us to pick up in the nearest town (150km away).
Unsurprisingly, 3 out of the four of us caught it. I got it worst as (at the time we left) I wasn't eligible for a booster, and so I hadn't had a recent vaccination, and got quite unwell.
Guess what; my travel insurance said the same thing: we'll cover you if you're hospitalised, otherwise, good luck.
So, I jumped on that plane, P95 masked up for other passengers' and flight crews' benefit, and flew to New York via Vienna, coughing all the way, with fever and rigours. And spent five days in New York in bed.
It's not that I didn't know, or didn't care, but that I didn't have a spare $15,000 for accommodation and new flights to do the right thing, having been told that TI wasn't going to help until I was hospitalised.
Ron, agree.The work I did meant I saw a lot of genuine cases of illness that wasn’t easily predictable. Fortunately in Australia the airlines are very good with their treatment of the compassionate cases.
It is better if your doctor is involved and speaks to the airlines medical staff. That usually ensures that there are no misunderstanding on either side.
On the other side are those cases where there is no immediate need for treatment such as coughs and colds it really is up to the individual to think of the other passengers and crew. If you have a cough or cold you really should take simple precautions such as wearing a mask.
Yes people should have travel insurance but the situation is that most people who have a cold etc will travel because they can’t get a credit or get rebooked easily. And that puts other folk at risk.
Not all colds are simple. I was involved in treating a woman who had flown from LHR to SYD and who had coughed through out the flights. She had TB. There ended up being 2 people who eventually tested positive for TB on the Australian sector and another on the sector out of LHR.
So it is not always a black and white issue.
It is obvious that such pax would be a health risk to others.The TB patient was diagnosed after the flights.
She felt well but after the flight coughed up blood and had an alert GP so the diagnosis was made.
@Pushka she probably felt better than most with chronic sinusitis.
Yep, always do, before buying, when comparing policies.Did you read the PDS and/or ask any questions before purchasing the TI?
I wish!This was when AU and QF stopped requiring testing for flying/entry, but NY still had a 5 day quarantine requirement.
but thats incompatible with ...TI medical coverage that includes evacuation in order to enter the country.
So thats a TI with no exclusions. In that case it will be impossible to find an insurer willing to underwrite it.we would see less go fund me requests for drunken bogans who injure themselves riding motor bikes unlicensed
TB often is just a cough. Should we say to everyone with a cough to isolate - that is to say when is a cough a cough.Some one who is infectious with TB shouldnt be out interacting in the community
So thats a TI with no exclusions.
Nope I had zero difficulty finding a policy that met the Cuba requirements. I always select insurance based on planned activities always pay any extra premium needed to cover extras such as scuba diving or cruising if may be needed, and I do not undertake activities like quad bikes or which Im not covered for.In that case it will be impossible to find an insurer willing to underwrite it.
TB often is just a cough. Should we say to everyone with a cough to isolate - that is to say when is a cough a cough.
My point was that a TI where there are no exclusions - for example due alcohol for the drunken bogan who PAFO (pissed and fell over in Bali or Cuba for that matter) who then gets a brain injury and who then needs medical evac will be very hard to get.insurance requirements
You ignore the scenario of the undiagnosed - like most people with a cough in an airplane. The issue for me is where to draw the line. When is a cough a cough? - significant enough to deem somone unwell.if you knowingly have active TB
Why is it Cuba's problem that a drunken fool gets injured? Where is the personal responsibility? The proficient yet technology limited Cuban doctors will provide basic emergency care, but then it it's up to the travelling fool or their family to make further arrangements.What is Cuba going to do with the brain injured traveller in Cuba whose TI has been excluded?
When it's been officially diagnosed as something harmful like TB or Whooping Cough by a medical professional.When is a cough a cough? - significant enough to deem somone unwell.
People are no less infectious without a diagnosis. This may also mean they may be non infectious as well.When it's been officially diagnosed
So where is the line?throat tickle
They obviously don't want to be shouldered by the cost, otherwise Cuba would not demand TI cover as an entry requirement.Why is it Cuba's problem that a drunken fool gets injured