In October of 2017, I wrapped up a wonderful few months traveling Europe. I made my way through 12 countries on my own and took full advantage of the experience. Despite being careful, accidents did happen, and I couldn’t have been more relieved to have travel insurance to give me an extra hand.
In Bled, Slovenia, I decided to enjoy a sunny day horseback riding in Triglav National Park. It was beautiful, my group was small, the sites were gorgeous, and I couldn’t ask for better weather. My horse wasn’t feeling the same.
I have horseback riding experience. I’m not a professional by any means, but I’ve had some practice, and if worse comes to worse, I believe slower is better when it comes to trail rides. Belle had sass and bounced around for most of the first half of the ride (the camera only came out when we were standing still). I was at the end of the line, so my tour guide tried to check on us, but it wasn’t very often.
On our way back down the trail, we started walking down a rocky path, and the group got a little spread out. Belle was not very steady on the rocks, which made me nervous, but we kept it slow. Finally, we got to the bottom, where the sunlight was shining and the mountainscape was opening up.
The big tumble
I’m still not quite sure exactly what happened, but right before we cleared the path, Belle tripped and sent me over her shoulder onto the rocks.
Ouch. OUCH (add a few of your favorite expletives). My breath was knocked out, and I had a moment of panic looking up at her (my head was VERY close to her feet), but she very nimbly bounced off and started running around in the field. After a minute or two, I slowly… painfully… got to my feet and hobbled over to the group. By the time I reached them, Belle had been caught and the guide was trying to figure out what had happened. I still couldn’t feel much pain (yet) other than being incredibly stiff. Since we were close to the end, I was game to try and finish the ride.
When I pulled myself back into the saddle, I felt something pop in my left elbow. I’ve been lucky to not have gotten seriously hurt in my 30 years of living (other than stitches here and there, bruises, etc.). But this HURT. By the time we got back, my elbow had swollen to almost three times its size and I had no mobility in that arm below the shoulder.
Finding medical care
The stable’s co-owner drove me to a local urgent care, who were able to see me immediately, only needing my US passport. The physician was very concerned about a break, but without the capability to take x-rays, referred me to the main hospital in the capital, Ljubljana. [For those of you who aren’t aware, breaking your elbow is almost always a surgical sentence.]
The drive to the capital was relatively short, and I was able to get in through their ER, have x-rays taken, and see a surgery specialist within 2 hours (what!?). But, yay! No break, but a lot of extra care was needed to help reduce the swelling and get full mobility back. They estimated a month to six weeks, which easily meant the rest of my trip and time at home. I suppose that was a great reason to slow down a bit and stay in Paris with family for a while. 😛
Why I had travel insurance
On the way out of the door, with all of my receipts in hand, I called World Nomads. Attentive, detail-oriented, and efficient, they walked me through all the steps I’d have to go through for my medical claim.
My medical expenses were completely taken care of, and I was relieved at how easy the process was with World Nomads. Peace of mind is invaluable, and I knew that if there were any more hitches related to this accident, all I’d have to do was call.
Seven things you should know about travel insurance from World Nomads
- Trusted reliable underwriters: WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
- Value for money with the cover you need: WorldNomads.com provides cover for what’s important for travellers from 140 countries. By focusing on what you need and leaving out what you don’t, World Nomads prices are some of the most competitive online.
- Flexibility when you need it most: Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you’re already travelling.
- Cover for a range of adventure activities: From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.
- World Nomads keeps you travelling safely: All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub.
- More than just great value travel insurance: All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal.
- Commitment to exceptional customer service: We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.
Simple and flexible
You can buy and claim online, even after you’ve left home. It’s available to people from 140 countries and designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities. Backed by specialist insurers and global assistance partners, they also give a little back and support community development projects around the world.