What you did after the accident was reasonable. Claim the bills that you were covered for.
> And yes, because it turned out to be a fairly manageable bill. But the 2nd procedure was going to be considerably more, so I notified them. To clarify, I didn't want any long term care at all, I was only asking them to cover the 2nd operation that I was already scheduled in for.
Which they specifically told you you weren't covered for.
Your article says
>At this point, it’s 4 days until my scheduled surgery to have a plate fitted in my hand, and each reply from Insure and Go takes 3–4 days
The e-mails you include from Insure and Go have time stamps of June 6 and June 7. Perhaps they took more time before or after that, but during the time sensitive part of your narrative they were responsive. It was you that didn't respond to their June 7 e-mail requesting the not fit to fly until at least June 12.
>The patient may want to forward onto the treating doctor to help point out to us where in the manual the reason why he is not fit to fly as our decision would still be curtailment and he would have been fit to fly. http://www.iata.org/publications/Pages/medical-manual.aspx
(1) Claim your expenses that are clearly covered by your policy. The care in Bali, taxi ride in Bali, Flight to Singapore, Taxi in Singapore, Hospital stay, and the hotel in Singapore. That's gotta be at least $6,000 that you're just leaving on the table.
(2) Call your Doctor and ask him to write a better letter in support of your claim. It should be something like this:
To Whom it may concern,
I have reviewed the IATA manual and my patient Mr. Badger was unfit to fly pending his surgery. The manual states:
The following tables are provided as a guide to the timeframe that should elapse between a medical event and the intended flight. The timeframes may be changed following considered medical assessment of a specific case.
After my medical assessment I found Mr. Badger unfit to fly because:
(1) [Bad thing that might happen] because [medical reason bad thing might happen] (2) [Bad thing that might happen] because [medical reason bad thing might happen] (3) [Bad thing that might happen] because [medical reason bad thing might happen]
Thank You,
Dr So and So
If after they "review" my case they ask again, I will reach out to the DR who treated me and waste more of his time, but I'm confident the insurance company would have still found a way to weasel out of it, even if the DR had been more explicit. I imagine it wasn't his first time writing a "not fit to fly" note, after all...