Press Release
Anirban Lehari and Shubhankar Sharma to represent India at the PGA Championship, 2018
MUMBAI: The 4thand the Final Golf Major of the year ‘The PGA Championship 2018’ will take place from 9th to 12th August, 2018 at the Bellerive Golf Course. Live action from the tournament will be broadcast for the Indian golf enthusiasts on DSPORT, a premium sports TV channel by Discovery Communications. The 100th edition of the championships will broadcast on the channel from 10:30 pm (IST) onwards. The historic course last hosted the PGA Championship back in 2013. With dense rough lining the fairways, sprawling bunkers that are surrounded by multiple greens and weather conditions affecting scoring makes Bellerive a very challenging course to play on.
The centennial edition of this prestigious tournament will once again see a strong line-up of marquee golfers competing to become the ‘Champion Golfer’ and lift the iconic Wanamaker Trophy. The ‘PGA Championship’ will witness the world’s best golfers competing for a handsome prize purse of $10,500,000. All eyes will be on the defending champion Justin Thomas who will face robust competition from players like Tiger Woods, Rory Mcllroy, Jordan Spieth, Justin Rose and YE Yang.
Shubhankar Sharma who turned in a creditable performance making the Cut in The Open at Carnoustie in July 2018 will be leading the charge for India.
Francesco Molinari, who recently won ‘The Open’, will be high on confidence to compete in this final championship aiming to win it and close his season on a high. Jason Day with his back to back victories in the Torrey Pines and Quail Hollow has shown consistency which is why he will be a player to look forward to.
The first ‘PGA Championship’ took place in 1916 and since then has become a huge platform for golfers to showcase their talent and skills with the club. DSPORT will bring the feel and fervor live from the Bellerive Golf Course for the Indian golf enthusiasts and give them an opportunity to witness 4-days of top-notch live golfing action.
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.
