A beauty consultant has to learn to walk again after breaking her back in a freak boat trip accident when she was on holiday in Croatia.
Nicole Chadwick, 20, and her boyfriend Lewis travelled to Dubrovnik and went on a boat excursion travelling around some nearby islands.
Nicole, from Manchester, decided to jump in after watching her boyfriend and other tourists jump in from the boat, but she landed on her back and fractured her T12 vertebrae in her spine.
Nicole needed an emergency operation in Croatia and had six pins and two rods inserted into her spine, the Manchester Evening News reported.
She can now barely stand or walk even with the support of a brace and physiotherapist.
Speaking of the horrific accident, Nicole said after seeing others jump in she 'thought it would be fine'.
She said: "We got to the last stop and people were jumping off into the sea, so I jumped off feet first but my feet ended up moving slightly forward and I ended up kind of on an angle.
"As I hit the water my back took a lot of the impact, it was pretty high.
"I just felt a massive amount of pain in my back and came up from the water, I shouted to Lewis and was just screaming for help.
"I was trying to swim back to the boat but just couldn't.
"My nose was bleeding and I split my eye open."
When she got to hospital, X-rays revealed that part of the fracture had entered the spinal fluid, which is surrounded by vital nerves.
At the hospital in Split, Nicole underwent an emergency operation to prevent the fracture causing further injuries and had the pins and rods inserted into her spine.
Nicole's parents flew out to Croatia and the family was told that she wouldn't be able to travel home on a plane – the only safe way would be in an air ambulance with doctors onboard.
Before the holiday, Nicole had taken out travel insurance with Debenhams.
Although it offered up to £10 million in emergency medical expenses, it became void because her accident happened on an excursion.
Nicole's mum Suzanne said she wants to stress to other youngsters that their insurance doesn't cover everything.
She said she doesn't want other families to go through what they have.
"We were absolutely terrified", Suzanne said.
"We just want to stress to other young people when they go on holiday just to watch what they are doing.
"I know they go on holiday to have fun but we want them to realise that their insurance does not cover everything and people don't read the small print.
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