‘You think the em­bassy will help – but it won’t’

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house,” Ms Quan­brough, who is a full-time carer for Luna, now al­most two, told Tele­graph Money. The cou­ple joined the 3,000 Bri­tish hol­i­day­mak­ers a week who are in need of emer­gency treat­ment and call on their in­sur­ers. Med­i­cal costs ac­counted for 52pc of all pay­outs last year, ac­cord­ing to the As­so­ci­a­tion of Bri­tish In­sur­ers (ABI), yet a fifth of hol­i­day­mak­ers travel unin­sured.

Wait­ing anx­iously out­side the hospi­tal, Mr Dadds called a hot­line sup­plied by Post Of­fice travel in­surance, which con­nected him to Emer­gency As­sis­tance Fa­cil­i­ties. set up a cam­paign on GoFundMe which has raised over £34,000 and Charles’s mother plans to re­mort­gage her house.

Emer­gency med­i­cal treat­ment for Bri­tish trav­ellers costs £4m ev­ery week, ac­cord­ing to the ABI. Two weeks of stroke care in the United States costs £233,000; it is £118,000 for surgery and re­cov­ery in east Africa after chok­ing; £95,000 after a road ac­ci­dent in cen­tral Amer­ica.

Sup­port from Bri­tish em­bassies can be scant. The For­eign Of­fice told Ms McLaugh­lin it could not co­or­di­nate Charles’s repa­tri­a­tion or a loan for an air am­bu­lance.

Ms Quan­brough and Mr Dadds said they had ex­pe­ri­enced sim­i­lar frus­tra­tions. “The first thing the em­bassy in the UAE told us was ‘we don’t get in­volved in lo­cal laws’,” Mr Dadds said. “People call the em­bassy be­fore their in­surer think­ing it will help but it didn’t.”

The For­eign Of­fice web­site states: “Get com­pre­hen­sive travel in­surance [or] you will nor­mally have to pay the costs of any emer­gency, in­clud­ing med­i­cal evac­u­a­tion. There is no le­gal right to con­sular as­sis­tance. It is pro­vided at our dis­cre­tion.”

Fiona Macrae of Travel In­surance Ex­plained said: “If trav­el­ling while preg­nant, find a pol­icy that of­fers cover to fly an­other fam­ily mem­ber out to sup­port you should you have the baby early.”

Cit­i­zens Advice said you should keep re­ceipts to sup­port your claim. “Try to get your in­surer to agree to treat­ment in ad­vance. Tell them about ex­ist­ing health prob­lems or you may not be cov­ered.”

Mr Dadds said: “In­surance money is one thing, but you also need sup­port. It was very, very lonely in that ho­tel room.”

Trav­el­ling unin­sured can make fall­ing ill abroad not only fright­en­ing but ru­inous for you and your fam­ily, says Laura Miller ‘It’s three months’ de­ten­tion for hav­ing a baby un­mar­ried. We could tell no one’

The cou­ple named their baby Luna after a su­per­moon that ap­peared the day be­fore

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