We booked a cycling tour with a well know tour company in Bali for myself, son 15yrs, his friend 16yrs and my daughter 11.
All was going well till about 500 meters from the end of the tour when my daughter didn't brake hard enough going down an extremely step hill with a sharp (almost 90 degree ) turn at the bottom. As a resullt she went over an embackment and landed 2 metres down on a ledge.!! Fortunately she did brake because if she had been going at a greater speed she would have flown over the edge and landed who knows where as we could see the bottom !!!!!!
Initially her injuries appeared minor - small cuts and bruising . A short time later she started to be sick and we quickly started the drive back to Kuta (we were 45min. away). The tour company wanted to take us to Denpasar but on the way I rang my travel insurance co and they said they wanted us to go straight to International SOS CLINIC in Kuta.
To cut a long story short. A CT scan revealed she had ruptured her spleen and our insurance company organised for an air ambulance from Perth to come to Bali to collect us and also early commercial flights for the boys. The boys were escorted to airport and assisted with check in etc. and my daughter and I were transported back to Perth by private Jet with full medical equipment, doctor , nurse and crew. Met at Perth by ambulance and taken to Hospital .
Total cost to me - $83 for the insurance. Total Cost to insurance company approx $100,000 AUD !!!!!!!
My daughter is now stable in hospital here in Perth and planning her next trip to Bali !!!! We had a great holiday before this White water rafting, waterbom park etc and the bike tour was great up to this point.
We had been planning this trip for about 9 months and I almost forgot about the insurance - arranging the week before we left. In future insurance will be at the top of my list of things to do because its not just about lost luggage as we have now found out!