Hollard Insurance *******

Worst experience EVER - fractured my ankle late on a Sunday evening after flying in to Dubai. Hotel took me to my room in wheelchair. First mistage is not to read and notify Hollard (clause 3 on the 4 page) even though you are dizzy with pain. Called emergency doctor (rather call ambulance and get admitted to hospital). Cover is now limited and no further medical attention covered, even after calling as soon as I was taken to doctor for x-rays. I DO NOT HAVE INTERNATIONAL ROAMING and had to get back to hotel to call. It has now been about 3 weeks of mails and arguing to get some payout as they had informed me would be done. So lucky my personal medical cover could be called in to assist. WARNING TO ALL TRAVELLERS!