Press Release
Soccer Weekends on ESPN STAR Sports
New Delhi, October 21, 2005: English Premier League is at its competitive best for a long time with more than a handful teams making impact early in the season. Only 8 points separate 11 teams with Chelsea emerging the leaders. Soccer action reaches its high with the English clubs running neck to neck in the world’s best football league live & exclusive on ESPN STAR Sports’ Soccer Weekends.
Manchester United, are sitting pretty at the third spot with a match in hand to Tottenham Hotspur and will be facing them in an intense duel for the second spot in the league on Saturday. The spurs have showcased prime form to reach the second spot with their latest sensation Jeraime Defoe and new signing Jeraime Jenas proving class acts. Meanwhile, United has struggled to get on with out Wayne Rooney and will be hoping for a superlative performance by their teenage prodigy.
Liverpool looks ahead to their trip to London to play against Fulham who have failed to get on this season with a single win in nine matches. With Djibril Cisse finding the touch for Rafeal Benitez’s side, the UEFA Champions will be looking to join Arsenal with 13 points in eight games.
In other matches, Birmingham City plays away to Blackburn rovers with City looking for a win to move out of relegation zone. Portsmouth host the high flying Charlton and on Sunday, West Bromwich Albion after their success against Arsenal visit Bolton.
In the Spanish Primera Liga, struggling Champions Barcelona take on confident and second placed Osasuna on Sunday in a must win situation for the Catalans.
The schedule is as follows:
English Premier League
| Date | Fixture | Time | Channel |
| 22 Oct 05 | Blackburn Rovers Vs Birmingham City (L) | 17:10 | ESPN |
| 22 Oct 05 | Manchester United Vs. Tottenham Hotspur (L) | 19:25 | ESPN |
| 22 Oct 05 | Fulham Vs. Liverpool (S) | 21:30 | STAR Sports |
| 22 Oct 05 | Portsmouth Vs. Charlton Athletic (L) | 21:40 | ESPN |
| 23Oct 05 | Bolton Wanderers Vs. West Bromwich Albion (L) | 21:30 | ESPN |
India Time. Schedule subject to change; L: LIVE. S: Same day delayed.
Spanish Primera Liga
| Date | Fixture | Time | Channel |
| 23 Oct 05 | Barcelona Vs. Osasuna (S) | 23:30 | ESPN |
For further information, contact ESPN Software India Pvt. Ltd at 011-5154 4444 – 51:
Bhaskar Majumdar, Manager – Corporate Communications, 9811194244 Email: bhaskarm@espnstar.co.in
Or Tarundeep Singh, IPAN at 9871313339, 011- 52492100, Email: tarundeep.singh@ipan.com
For the latest schedules and programme information visit www.espnstar.com
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.
