A newly-wed couple whose baby was born prematurely on honeymoon said insurers won't cover the cost of bringing him home - as the baby arrived two days too late to be covered by their policy.
Stephen, 27, and Louise Crawshaw-Bowen, 37, said they face staggering hospital bills to care for son Wolfe. Louise had to have an emergency caesarean section on July 25 - and their son is now in intensive care in Turkey to help him breathe.
The couple had a holiday insurance policy which they thought would cover them. But Louise was informed of a clause in the small print which said they would only cover insurance if a baby is born eight weeks premature.
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Wolfe was born seven weeks and five days early. Louise, from Wiltshire, said: "It's just so unfair that I sorted out insurance to cover all of this and we're in this situation. We're honestly out of options and I'm not one to ask for help but we are desperate.
"I've seen my five-day-old baby for two minutes - it's heart-breaking and we need to get him home." Louise had a "fit to fly" medical note before the family left the UK for their honeymoon earlier in July.
But the holiday took an unexpected turn when Louise was rushed hospital on Monday, in Antalya, suffering from intense bleeding and pain - aware she was going into labour. The couple said there was a "language barrier" between them and the staff at the hospital when Stephen, originally from Halifax in West Yorkshire, was asked to sign an €800 (£670) bill for treatment.
But that initial bill was one of several the couple would get - including another for €4,500 just to allow Louise to leave hospital which she described as "a prison", and ongoing costs for Wolfe's care.
Louise said: "Just two days ago we went to see how much Wolfe's bill was - and it was €5,250."
Wolfe is unable to breath on his own and has an infection in his lungs. Doctors in Turkey said he could require at least another three week's hospital care, and then might not be strong enough to immediately fly after that.
The newlyweds said they might have to sell their house due to their predicament. Louise, a nail technician, was given a a spinal block for the operation which she said is now giving her continuous headaches.
After being told to book accommodation and keep the invoices the insurance company told them on Wednesday they were not willing to pay. They said it was because Louise gave birth seven weeks and five days before her due date. If she was eight weeks or above they would have paid up.
Stephen, who has worked in the army for 11 years, said: "The insurance company are not paying out because of two days. It took them from Monday to Wednesday to make this decision, and it feels like from Monday to Wednesday - to us - like they were trying to find a loophole to not pay the money."
Louise added: "It makes no sense at all, premature births are up to 37 weeks."
Stephen and Louise have already paid €5,000 (£4,188) for Louise's hospital discharge - which they had to borrow from family - a further €5,250 (£4,397) for the medical bill for two days for his son and several thousand euros for accommodation. The newlyweds expressed feelings of "anger" and "disappointment" and added they felt "let down" by the company.
Louise said her three eldest children, 14-year-old Ty, 11-year-old Daisi and five-year-old Teddy, went back to the UK with her friend on Wednesday. But the couple are staying in their accommodation, at Grand Park Lara in Antalya, with their 11-month-old Ronnie and Wolfe - until they can get him home.
The desperate pair are looking at contacting air ambulances to get Wolfe back to the UK but say initial figures are over £40,000. A GoFundMe page, set up by family in the UK to help with their costs, has already raised more than £4,900.
Their insurers have been approached for comment.
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