Like most of the one million Australians who visit Indonesia each year, Instagram Emily Gurr loves vacationing in Bali.
But unlike most travelers, she experienced two nightmares of medical emergency on vacation island, which experts say is a one-in-100,000 run of bad luck.
The Queensland-based beauty, which has more than 116,000 followers at Instagram, told News.com.au that she had been evacuated twice from Bali and needed urgent medical attention. And if she had not signed the travel insurance for both journeys she would have doubled the medical bills.
In the last incident a few weeks ago, Gurr had her injured ankle badly diagnosed by Bali doctors after being hit by a motorcycle because the rider was trying to get a curb park.
"We went to dinner, completely sober, and came to the bike trail and lost control and his bike fell to his ankle and smashed him," Gurr said.
"Something hit the ground and they thought it was a writhing when I first went to the doctor and spent three hours there.
"It was quite convincing that we had to pay them $ 150 and were not affiliated to the insurance company, so I had to pay it in the end." The medical report was, it's just a bore, just ice, rest, compression. "
During the rest of the ride, the pain worsened to "absolute pain," and Gurr came into contact with her insurance company, 1Cover, which secured her to go home in business class for Qantas flight.
Back home in Australia, X-rays revealed that Gurr's injury was much worse than a small sprain.
"The doctor was like," Oh, they were so bad, you destroyed him in four places, you need an operation. "At the moment I have seven screws and a plate in my ankle."
This was not the first time Gurr had to save from Bali.
Less than three years ago, a 21-year-old woman was seriously ill with dengue fever that she got a mosquito a week earlier in Vietnam.
She said she had woken up one morning in Bali and suffered from what she thought was a bad hangover, but things went uphill quickly.
"I felt terribly as if a bus hit me, I did not know what it was, but it was unbearable at night," she said.
After about ten days in the hospital, Airvac Gurr was called from Bali because her condition went down.
Gurr was taken to Darwin for treatment and her mother was taken to be with her.
The cost of emergency evacuation was about $ 52,000.
"I do not think (ankle injury) was quite expensive, but it would be up there," Gurr said. "Without insurance, I would certainly be bankrupt."
Gurr's double misfortune in Bali caused her unhappy mood among clients of her insurance company, Richard Warburton's expert on travel safety.
"In our 15-year history, our team has never seen the customer evacuate from the destination twice for two completely different health claims," he said.
"This is literally one of the 100,000 events. It's a remarkable, though uninitiated event for Emily."
When Bali has been a popular holiday destination for the Aussie this year, Mr. Warburton said that dengue fever is something to look out for.
"Dengue fever is mosquito-borne disease and Bali's main hospital records 50 to 100 cases a year from tourists," he said.
"Dengue fever is at increased risk, especially in the rainy season from October to April in tropical areas such as Bali, and it is expected that 200,000 tourists will visit Bali from Australia in the summer.
"We recommend that all passengers be very careful to ensure that they apply adequate mosquito repellents, avoiding places with still water and large populations of mosquitoes."
As in all times of the year, Aussie passengers should be especially careful in motorcycle accidents.
"We are aware that every month in Bali every month Bali has an average of 15 to 25 Australians and pedestrians and riders must be careful about poor road maintenance in Bali and the main causes of the disaster," said Warburton.
Gurr told journalists.com, besides making travel insurance, it was necessary to determine in advance what hospital or medical provider the affiliate had been affiliated with. If it gets worse, you can go straight.
"They generally choose the best," she said.
"In Bali, especially with foreigners, it's all about earning money first, so when 1Cover calls and says" Yes, we cover them ", they will receive you, evaluate you and tell you what's going on.
"Usually, when things happen abroad, Google is closest to the hospital, but it's often just a local site that might try to read you and you're going to get a little bit of a prison."
Despite her misfortune in Bali, Gurr said she had not rid her of the holiday island – in fact, she soon moved to work at the end of the year.
"You can not live in your fear," she said.
"I love it there and there are risks everywhere, it's just to be careful.
"And having travel insurance is so important, you never know what will happen." In Australia, we have Medicare and health insurance to cover you when you're in a known place, but when you're abroad, you do not have these things, and it's nice to rely on someone and someone. "