First I want to thank you since as you know you were completely right when you suggested that we rushed p to Singapore when I first called you.
Thanks to common sense and intuition as well we finally did it and here we are with a very good Doctor who we trust fully.
As Antonio told you we have been informing your company every day and hope that on Monday Vivilate responds as it should and takes care of expenses etc. Sunday 26 February 2017 ….

( NB : this was an issue of the heart requiring immediate surgical intervention)

Thanks once again everything went fine intervention and coverage Kind regards
Ana : Tuesday 28 th February 2017

If you are looking for an insurance while living in Bali this is the place to be.
I had motorbike accidents, surf related herniated discs, artificial disc implants, ruptured tendons of the bone, you name it...
Before you start building your pool or renovate your newly rented villa, get yourself insured.
Your body is your best buddy in the end…
These people are my Guardian Angels since I came to Bali a long time ago.
Hang loose and keep on living.

EJ October 2016

I thought I'd send you a message to say that I finally got out of hospital in Sydney last weekend after 16 days from touching down and heading straight to emergency. I ended up having 3 surgeries on my back to clear heavy infection. Literally Richard if I left it another 1 or 2 days the infection would of over come me and hit organs so yes very glad I got out when I did and thank you very much for your guidance!
Enjoy and take care. Once I gain the all clear next week I'll be heading back to Bali shortly after.
Thank you so much for all you guidance and support. I hope you have a fantastic weekend...

Thank you! SK
September 24 th

Another insane situation you just handled beautifully. I never forget when I was lying on my kitchen floor, itwas late at night, some few years ago, just head a blackout, no one at home or neighbours. Only my cell phone and you at the other end assisted me while you were having a shower some kilometers away. You were there online, all the way till I got help at SOS. I know you didn't get any commission from my insurance because the office bought it from other company. Global Ass (istance) supposed to provide the assistance I needed. But they never there when I need. I never able to thank you enough. I owe you few Big one as you also helped me and my husband in other emergency situations. And after all these years we still never met. Not a single time. If not because of fb, I still don't know what you look like:) If guardian angels exist, You are the real one.

With love and big hugs

We're sitting on a plane coming from Sumba, thinking about the 4th year anniversary of a misdirected coconut and talking about what an incredible support you were in getting me out. It might have not happen without you. My understanding is that I got in Singapore just in time, I was on the operation room within a few hours and it saved my life.

I want to thank you from the bottom of my life for helping get me out. It's the story that remains untold but I made it out the eye of the needle with the help of you and my beautiful wife, Cynthia. Again, thank you. I hope you're well.

Love, John, 24 th July 2016

Response :

Dear John,
Well now you mention it, its only because I am a battler and would not accept BIMC’s bland comment that "John is OK now” while Cynthia was telling me your were gurgling while you breathed, alarm bells went off when I heard that, so after they cancelled the evacuation plane we organised the previous night it was a huge deal to order another one the next day, as the company said it could not be life threatening because of the cancellation the day before. BIMC were telling the TPA in Singapore it was not necessary !! SO after a serious “conversation" with Singapore they eventually listened to me and ordered another plane. The report from Gleneagles when you got there was that another one or two hours and you would have been in the great Bamboo hut in the Sky.

FYI : BIMC sent Craig’s wife and a medical team to Gleneagles to argue the case…… they were shut up and put in their places when Gleneagles showed the footage they had taken of the operation that BIMC performed where it clearly showed that BIMC had perforated your lung with the instrument they used THAT lead to the problem being life threatening. BIMC were trying to say someone kicked you while you while were in the air ambulance and that caused the perforation !!! What a pile of nonsense !!! the footage shut them up and they were waiting with baited breath for the law suite.

Honestly John they should have been sued and were panicked when their team returned from Singapore with the story. Cynthia and I discussed your suing them , but understandably she had enough of the situation and was just happy you survived despite them. I went to see Craig Beveridge and confronted him … he won’t talk to me to this day.

This illustrates why I do this in Bali. between the medical facilities and the bloody Insurance companies its a constant battle

Glad your still with us mate.

I would like to say that you are the best Richard and for anyone who wants the best possible insurance they should go to you. When I broke my knee I called you late in the night and you helped me to make the right decisions and when I had my follow up surgery in Singapore it was so good I kept on accidentally referring to the hospital as the hotel. You were an angel in a bad moment and I am forever grateful for your help. All the best.

Gaby When

We were talking about testimonials in the office today and feedback and it occurred to me that we had not given you any on the recent case of Thomas.

Time is short and so I won't go into details but the bottom line is this: the cover we have from you came through for us big style. They were fantastic to work with and took control and got Thomas to Singapore and got him the best surgery in SE Asia. Both his face and shoulder are recovering really well and the treatment was first rate, the cover was first rate. We felt confident throughout that the rug was not going to get pulled from under us and that is important.

One area of recent concern is the 'sitcom-set' hospitals like BIMC and Siloam. I call them that because they portray an image of being a sophisticated modern hospital. In reality they are Sanglah with better paintwork and more computers. If it is Dengue, a minor motor bike crash or you are hamil, they are on familiar ground. Anything else they are a death trap.

The danger is that they are persuading some insurance companies to take short cuts: 'Don't send him/her to the cutting edge surgeon in Singapore. We can do the job here for less money and it will be alright".

When Thomas showed the surgeon in Singapore the Ace Hardware item they were planning to insert into his shoulder, he said "wow! been a while since I saw one of those!" My surgeon in Bangkok said he hadn't seen one of those for a decade. Yet this is what Siloam is offering up.

Thank God our insurance had the balls to say "No!"

So many thanks for providing this cover to us. I wanted you to know that it really makes a difference and when Thomas catches his first wave again (soon we hope) I'm sure he will dedicate it to you and the insurance that enabled him to do so

Best wishes

I just wanted to thank you for all your hard work during that difficult time last week. It wasn’t easy for any of us but you pulled through and got the plane organised and resolved all the problems that being in an area remote from good hospitals with a badly broken leg in West Java presented us with. Thank you for going the extra mile and ensuring that I got the surgery I needed even though my passport was in immigration. Good on you

Thank you, your advice & info on your fabulous Insurance Scheme for 18-29yo is clear, concise, very affordable & a "must have" for young travellers. Your research, development & creation of this product reflects your passion & the enormity of the increasing need that we are constantly & sadly being reminded of when friends & families such as Liam's suddenly find themselves faced with these sorts of dire, life & death situations & need turn to complete strangers to plead & beg for their compassion & support.
You are right to say that donors are finding it difficult to keep up the financial support & I believe the ultimate solution will be in the education & perhaps a regulation giving the traveller the responsibility of ensuring that they have:

  • Taken ADEQUATE insurance.
  • Checked & re-checked the Policy to MAKE SURE it suits their holiday plans.
  • Learn from the real experiences of others who have been injured or who have had loved ones die whilst holidaying/travelling..
  • know that it costs a FORTUNE to return home as Medivac or, as we sadly see & is often the case, in a coffin.

I believe your Insurance is very worthy of being regularly promoted via this Bali Expat FB Group & other Groups... I hope I have your permission to share it on my FB Status & other relevant FB status's... Hopefully Travel Advisers & Agents etc are aware of your Insurance product.

I am most grateful to you because you saved my life and I want to say one more time thank you so much for doing that. It wasn't clear that I was so close to the edge during my recovery as Cynthia was sort of saving me from the grim facts that I was almost done in by the hospital here in Bali. Again Richard, thank you for the making the effort of getting me on that airplane when the hospital said that it was not necessary to evacuate me.