A man’s sister, 28, has charged thousands after a Thai motorbike crash prompted travelers to get insurance

The family of a man facing soaring medical bills after a motorcycle accident in Thailand is encouraging backpackers to double-check their travel insurance documents.

Adam Davies, 28, suffered a fractured skull and other serious injuries in the Boxing Day collision on Koh Tao Island.

Mr Davies is still being treated at a hospital in Koh Samui and his parents have flown out to look after him, the BBC reports.

The motorist, from Dinas Cross, Pembrokeshire, South Wales, was shocked to have been charged medical costs that were no longer covered by his travel insurance.

Adam Davies, 28, suffered a fractured skull and other serious injuries in the Boxing Day collision on Koh Tao Island

Mr Davies’ sister Jess (pictured together), 30, urged travelers to check the fine print on their policies

His family have managed to raise almost £22,000 to cover his medical costs and are now urging backpackers to be vigilant with travel insurance.

Mr Davies’ sister Jess, 30, said that while her brother had worldwide travel insurance his policy did not cover any medical expenses for a period past 31 days.

“He was on a little island and he was riding a scooter and he just came, I think he came around a bend and went straight to a power pole,” Ms Davies said.

“We didn’t find out until 24 hours later. He had to be shipped to another island because there was no hospital there and he had multiple injuries, some serious injuries, and his insurance would not cover him.’

Now Ms Davies is spreading the message that travelers should check the fine print of their travel policies before they leave.

As well as a fractured skull, Mr Davies also suffered a brain hemorrhage, a punctured lung, fractured ribs, a fractured collarbone, fractured shoulder blade and fractured ankle

She added, “I know it’s annoying to look through… nobody really reads the fine print, but I urge everyone to do it. Even if it takes half an hour, it’s worth it.”

As well as a fractured skull, Mr Davies also suffered a brain hemorrhage, a punctured lung, fractured ribs, a fractured collarbone, fractured shoulder blade and fractured ankle.

Mr Davies’ parents, Alison and Graham, intend to remain in Thailand until he is well enough to travel home to Wales.

A spokesman for Adams insurer Lloyds Bank said: “We would always recommend customers planning to travel abroad for a long period of time to check the terms of their insurance, whether provided through their bank account or purchased separately.

“Most providers, including Lloyds Bank, will make it clear what is covered under your policy when you first take it out and send yearly reminders to ensure it remains appropriate for you.”