This is the story of Karen Martin, who was rushed to hospital after casually hitting a curb on her hired Lime bike. Unfortunately, this resulted in Karen fracturing her kneecap in three places, which involved surgery and a lengthy hospital stay in Nice, France.

Thankfully, they had travel insurance to take care of things. 

This is the story of Karain and Susan's 25th wedding anniversary cruise holiday, which unfortunately ended in disaster. Thankfully, they had travel insurance, which helped save Karain's life.

This video contains images of a medical nature that may be disturbing to some viewers.