Nicole Chadwick, 20, and her boyfriend Lewis, from Stretford, Trafford, Greater Manchester, travelled to Dubrovnik, Croatia, for a four-day holiday.
Nicole Chadwick, 20, and her boyfriend Lewis, from Stretford, Trafford, Greater Manchester, travelled to Dubrovnik, Croatia, where she jumped off a boat and landed on her back fracturing her twelfth vertebrae
On the second day of the trip, the pair went on a boat excursion travelling around some nearby islands last month.
Nicole watched her boyfriend and other tourists jump from the boat into the sea when it stopped at a Beauty spot in the Adriatic Sea.
But as Nicole jumped from the boat, she landed on her back and the impact from the water fractured her twelfth vertebrae.
Nicole needed an emergency operation in Croatia and had six pins and two rods inserted into her spine.
She can now barely stand or walk even with the support of a brace and physiotherapist.
Nicole and Lewis had taken insurance out with Debenhams which offered up to £10million in medical expenses.
However Nicole's insurance became void because her accident happened on an excursion leaving her to foot the bill of thousands to cover hospital fees and the air ambulance back to the UK.
Nicole and her boyfriend Lewis joined an excursion where they paused at a Beauty spot off the coast of Dubrovnik, Croatia, and jumped into the sea
The Beauty consultant told the Manchester Evening News: 'We got to the last stop and people were jumping off into the sea. I jumped off feet first but my feet ended up moving slightly forward and I ended up on an angle.
'As I hit the water, my back took a lot of the impact as it was pretty high.
'I just felt a massive amount of pain in my back and as came up from the water I shouted to Lewis and screamed for help.
'I was trying to swim back to the boat but just couldn't