British couple reclaim $200k after insurer balks at US birth costs

British musicians Issy Ferris and Archie Sylvester faced a $200,000 medical bill when their baby was born seven weeks early during a Nashville tour; Zurich Insurance initially refused to cover the costs since the baby wasn’t named on the policy, but after a nine-month legal battle the insurer apologized and reversed the decision. The episode highlights gaps in travel-insurance coverage for births abroad, and the couple now uses their story to raise awareness with the charity Tommy's while continuing to perform.