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UK Tourist Home After Thai Riding Fall as Insurer Denies Cover, Facing £60,000 Bill

The case underscores how high-risk activity exclusions can leave travelers paying for emergency care abroad.

Overview

  • Joanna Ingram, 57, is back in the UK after roughly 11 weeks in Thailand and is recovering with a walking frame.
  • Ingram, who fell from a horse in Krabi on March 8, underwent emergency spinal fusion surgery and says she has full movement.
  • Her insurer, JOURNY, declined her claim because the policy classed horse riding as a high-risk activity, according to the accounts reported, and the company has been asked for comment.
  • Reported costs vary across outlets from more than £30,000 to about £60,000, while a GoFundMe set up by friends and family has raised about £19,000.
  • She also caught dengue fever while waiting to fly, a mosquito-borne infection that prolonged her hospital stay and delayed medical clearance to travel, highlighting how complications can drive up repatriation costs.