Press Release
‘Fifth Gear’ is back with a brand new season of exciting and informative motoring
MUMBAI: Returning with 22nd season of motoring fun, Discovery Turbo’s FIFTH GEAR is a magazine series filled with the recent driving news, expert opinions, and practical & reliable advices. Sharp new features accompany the essential information, stunning driving and beautiful cars that keep you wanting more week after week.
With all the latest supercars, racing and record attempts, as well as exciting automotive news, advice and reviews, an enhanced edition of FIFTH GEAR, starting May 12 on Discovery Turbo, promises to bring more fascinating information and fast-paced thrills than ever before.
From super cars, sports utility vehicles to hatchbacks and hybrids, the FIFTH GEAR team combines its enviable presenting line up of Timothy ‘Tiff’ Needell (former-Le Mans winner), Jason Plato (multiple Touring Car champion), Vicki Butler-Henderson (a racing driver instructor from the age of 17) and Jonny Smith (serial petrol head and car buyer) – undoubtedly the best and most knowledgeable drivers on television – with a new remit to bring more information than ever before to a global car audience.
FIFTH GEAR is everything a car enthusiast could want in a TV show, which is exactly why its home is Discovery Turbo. This new and exclusive season features a range of new tests, new races and new motors from around the world. The team of course put supercars through their paces including the Pagani Huayra, the Roadyacht GTR as well as a Vicki putting the most powerful Ferrari ever through its paces: the 730bhp F12 Berlinetta. Also, Jonny is behind the wheel of the bonkers new Morgan Three-Wheeler – a brand new model that based on a design from 100 years ago; Tiff is joined by German motoring legend and ‘Queen of the Nurburgring’ Sabine Schmitz for a head to head battle between our two favourite sports cars of the last year – the BMW M6 and Porsche 911; and Jason heads to the track to test the ?100,000 BMW M6 super coupe.
FIFTH GEAR is dedicated to uncovering the most exclusive information about the performance of anything automobile. The series highlights new car reviews, second-hand bargains, industry news and other topical features, including issues surrounding road safety and taxation. From road testing the new Mini Cooper Sand examining the trend among celebrities to purchase large sports utility vehicles, to profiling a Lamborghini Murcielago, this series is for anyone who has a passion for petrol power.
The series not only highlights supercars, it also offers solid consumer advice covering topics such as the top five motoring apps, buyers’ guide and a petrol ‘taste’ test investigating the difference between supermarket petrol and premium brands.
FIFTH GEAR airs weekdays (Monday to Friday) at 10 PM on Discovery Turbo.
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.
