Press Release
West Indies and New Zealand to start season of mouth-watering Test cricket
MUMBAI: The West Indies and New Zealand will kick off a season of high-octane Test cricket when they go head-to-head in a three-Test series that starts in Kingston, Jamaica, on Sunday 8 June.
While the series in the Caribbean is underway, a two-Test series between England and Sri Lanka will be played at Lord’s (12-16 June) and Headingley (20-24 June).
These two series will not only serve as curtain-raisers to what is expected to be a season of mouth-watering Test cricket, it will also start the race to the number-one position on the Reliance ICC Test Team Rankings table. The side that tops the table on the 1 April 2015 cut-off date will be presented with the prestigious Test mace as well as a cash award of US$500,000.
Australia currently holds the mace and the number-one Test position with South Africa in second place, just a fraction of a point behind. Then 14 ratings points separate third-ranked England from seventh-ranked Sri Lanka, with the West Indies another 14 ratings points behind in eighth spot.
Apart from the two series in June, ten more series are scheduled to be played until the end of January 2015, after which the focus will shift to the ICC Cricket World Cup 2015, which starts in Christchurch and Melbourne on 14 February.
This means that well before the ICC Cricket World Cup starts in Australia and New Zealand, the teams’ positions on the Reliance ICC Test Team Rankings Table at the 1 April 2015 cut-off date will be finalised, as no Test cricket expected to be played after the ICC Cricket World Cup final on 29 March.
As per the January 2012 ICC Board decision, a total of US$1.34 million will be distributed amongst the top four Test sides in 2015, with the number-one ranked side receiving US$ 500,000, followed by US$ 390,000 for the second ranked side, US$ 280,000 for the third ranked side and US$ 170,000 for the side that finishes fourth.
Bali is full of memorable moments, and some of them involve animals. Temple monkeys tug at bags, beach dogs nap near sunbeds, and cats wander into cafés like they own the place. Most interactions are harmless, but a bite or scratch can change the day quickly, because you may need immediate medical care and follow-up treatment. This is where Bali travel insurance becomes more than a box to tick.
In this article, you will explore whether animal bite treatment is insured, the exclusions, and the steps to claim easily in Bali.
Why Animal Bites in Bali Need Special Attention
Bites are not only about the visible wound. Insurers and doctors both treat them as medical events that can pose an infection risk, especially when the bite breaks the skin.
A scratch that looks small in the moment can still lead to:
● A doctor’s examination and wound cleaning
● Medicines and dressings
● Follow-up consultations if the doctor advises observation or further care
From an insurance perspective, this matters because claims are usually assessed on medical necessity and documentation, not on how dramatic the injury appears in a photo.
How International Travel Insurance Looks at an Animal Bite
Most travel policies are built around emergency medical expenses for unexpected illness or accidental injury abroad. A bite or scratch usually fits the accidental injury bucket, but coverage is rarely blanket.
In many plans, the following may be considered if a doctor prescribes them and bills and medical notes support them:
● Consultation and outpatient treatment
● Emergency care and procedures, such as wound dressing or stitches, if clinically required
● Prescribed medicines and investigations
● Hospitalisation if the treating doctor confirms it is needed
Common Reasons Claims Get Reduced or Rejected
This is the part travellers often miss. Insurers usually do not deny claims because an animal was involved. Claims become difficult when the event looks avoidable, the reporting is delayed, or the paperwork is weak.
Avoidable-Risk Situations Insurers Scrutinise
Policies commonly exclude or limit claims linked to unsafe conduct or preventable exposure. For animal bites, scrutiny may increase if the incident appears connected to:
● Provoking, feeding, or trying to handle wild animals
● Ignoring warning signs at tourist spots
● Being intoxicated at the time of the incident
● Activities that a policy lists as excluded or restricted
The takeaway is simple: if your own description sounds like a risky choice rather than a sudden accident, the insurer may challenge it.
Delays, Missing Papers, and Policy Conditions
Even when your incident is genuinely accidental, claims can still stall due to basics such as:
● Not informing the insurer or assistance partner within the required time
● Missing itemised bills, prescriptions, or clinical notes
● No proof of travel dates or passport entry details when requested
● Submitting only pharmacy slips without a doctor’s consultation record
International travel insurance is paperwork-driven. If you document it well, you reduce the chance of avoidable back-and-forth.
What to Do If You Are Bitten or Scratched in Bali
Your health comes first, always. But a few sensible steps can protect your recovery and keep your insurance file clean.
Medical Steps That Help You and Your Claim
Act fast, stay calm, and get proper care before worrying about bills.
● Clean the wound promptly and seek medical care, even if it seems minor
● Follow the doctor’s advice, including follow-ups if recommended
● Avoid self-medicating in place of a clinical assessment, because insurers often ask for a doctor’s report
Claim Notes and Documents to Collect
Keep these handy; they’ll save time and avoid follow-up questions later.
● Doctor’s notes that mention the nature of injury, treatment given, and advised next steps
● Prescriptions and pharmacy invoices
● Itemised hospital or clinic bills
● A brief written note of where and when it happened, while it is still fresh in your mind
Final Word
Animal bites in Bali are not rare, and they are not always dramatic, which is exactly why travellers underestimate them. Many travel policies can cover bite-related medical treatment when it is accidental and medically necessary, but the outcome depends on your policy terms and the quality of your documentation. If you buy cover thoughtfully, keep the assistance number handy, and respond sensibly if an incident happens, you give yourself the best chance of both good medical care and a smoother claim experience.
