A DAD became this week stranded in a overseas clinic following a mind hemorrhage – as his insurer refused to pay up because he’d had a ­drink.

David Poole, sixty-four, is racking up lots of kilos in scientific bills in Turkey after falling at some point of an afternoon stroll.

He and wife Diane, fifty-eight, of Water Orton, Warks, were holidaying in Marmaris.

It isn’t always acknowledged why he fell or what induced the bleed on his brain, but insurer Rock has refused to pay his clinical payments because doctors found alcohol in his blood.

He becomes a bit over the drink-riding limit. His son Stuart, 33, thinks he’d most effectively had one or two beers and blasted Rock Insurance’s selection.

Stuart said: “It indicates a lack of compassion or common experience.

“We want humans to be aware how wishy-washy journey firms are over their alcohol guidelines.”

The own family is planning to appeal to the insurer. If they lose, they face deciding to buy David’s remedy.

Experts are cautious that having simply one drink invalidates your coverage if you have an accident.

But that’s now not the best way you may be caught out through tour insurance.

Here we reveal some of the pitfalls you should try and avoid in your next ride abroad.

LOOK FOR THE POLICY PITFALLS

DON’T DELAY. One in five humans risks their excursion’s whole value by leaving their travel cowl to the closing minute, in keeping with insurer Allianz Assistance.

The maximum not unusual cause for canceling is demise, serious coincidence, or harm. Other reasons consist of housebreaking and redundancy.

Get a policy immediately after booking in case of any catastrophe before you go away.

But watch out — the quilt on providing out of your travel operator won’t have enough safety.

DON’T AUTOMATICALLY GET THE CHEAPEST. Intense opposition manner guidelines cost less than ever; however, the very cheapest have a raft of loopholes, and their ordinary limits will now not cowl tons.

TravelSuperMarket recommends £2million for medical costs, £1million personal legal responsibility, £1,500 for luggage, and £3,000 or the entire fee of the holiday for cancellations. The excesses must be beneath £one hundred.

For their own family of four’s seven-night trip to Spain, multitrip.Com’s primary coverage is £11. But insurance is best £1, a hundred for baggage and £1,000 cancellation cover.

Spend every other tenner for the company’s most useful coverage, and also get the endorsed protection.

If you’ve got ever ­suffered from despair or had cancer, allergies, or high blood pressure, you want to claim it.

You risk not getting a payout if you hold quiet.

Other ailments are not going to want to assert if you have now not had them lately. If doubtful, check with your insurer.

Earlier this year, Maxine Howell, from West Bromwich, caught pneumonia and bronchiolitis while celebrating her 50th birthday in Cancun, Mexico. Her insurer Axa refused to pay her bills because she had now not disclosed a beyond inhaler prescription. Her own family says although she was prescribed one, she in no way used it.

Some European policies do now not cover Spain. So you must pick “Europe with Spain” and pay greater.

Even greater confusingly, some insurers cover non-European international locations on a European coverage.

If you’re going to Egypt, Morocco, Turkey, or Tunisia, get a quote for European cover first, then take a look to see if your vacation spot is protected. It is probably.

Many journey insurances will no longer consist of gadget cover, so study add-on extensions to the policy or check if your house covers them. Alternatively, take out a separate system policy.

Also, take a look at the extra you would have to pay. For example, if you claim a £400 phone and the extra is £50, you best get £350 lower back.

Swimming with dolphins, pony riding, volleyball, biking, scuba diving, and zip-lining aren’t usually protected. Columbus Direct says a person injured without the right cowl can pay £1,700 on average. Last yr, backpacker Sophie Wilson, 24, of Shepshed, Leics, broke her neck diving into a pool in Thailand. She turned into refused cowl through her insurer InsureandGo due to “reckless behavior.