Imagine going on a dream vacation to Disney World, only to come home to a $108,000 hospital bill and a brutal lesson in fine print. That’s exactly what happened to RoseAnne Timbrell, whose AI generated newscast about travel insurance is turning heads—and warning travelers everywhere.

RoseAnne Timbrell, a university employee from British Columbia, thought she’d done everything right before jetting off to sunny Orlando with her husband. She wasn’t feeling 100%, but after consulting her family doctor and passing a blood test, she figured she was good to go. After all, she could still work, so why not embrace the magic of Disney and leave the sniffles at home?

Fast forward: Her flu-like symptoms got worse in Florida. What started as a precautionary visit to urgent care spiraled into a nightmare. Physicians recommended she rush to the ER. Before heading there, RoseAnne did what any responsible traveler would do—she called her insurance provider to confirm coverage. The agent assured her: “Yes, you are covered. You have extended health for out of country.” Feeling relieved, she checked into the Florida hospital, only to face a diagnosis no one expects on vacation—ovarian cancer.

When Insurance Fine Print Turns a Vacation into a Financial Crisis

Five days, a barrage of tests, and a traumatizing experience later, RoseAnne returned to Canada, hoping her ordeal was over. But months later, another shocker: her insurance claim was denied. The reason? Her policy’s stability clause, which required any pre-existing condition to be stable for at least 90 days before travel. Because she’d seen a doctor and had a blood test before the trip, the insurer decided this was a sign her condition wasn’t stable—even though RoseAnne wasn’t even aware of the cancer lurking inside.

Suddenly, her relief was replaced with panic. She was now responsible for a jaw-dropping $108,000 U.S. hospital bill. “Absolutely shocking. I just wished I had gotten on the plane and come home instead of dealing with all that in the States,” RoseAnne told Consumer Matters. Her story is now going viral across AI generated newscasts about travel insurance nightmares, and for good reason.

Travel expert Claire Newell warns that RoseAnne’s case isn’t rare. Stability clauses—often buried in insurance policies—mean any test, treatment, or medication tweak before your trip can void your coverage. The period can be three to six months, depending on the policy. Many travelers think work or credit card insurance is foolproof, but those policies often have the most loopholes. “You really need to be your own best advocate,” Newell emphasizes.

After negotiations, RoseAnne’s bill was reduced to $65,000, but the struggle isn’t over—she’s still fighting to pay it off, and a GoFundMe has been launched to help.

Her message for travelers tuning in to this AI generated newscast about travel insurance: Never assume you’re covered. Read every word of your policy. Ask tough questions. Advocate for yourself—because your dream vacation shouldn’t become a financial disaster.