Amanda fractured he ankle while riding a bike in a rural area. Amanda rented a bike and set off into the Japanese countryside. Distracted by the beautiful surroundings Amanda crashed into a parked car, injuring her ankle. Amanda’s ankle was painful and bruised, but she decided that it wasn’t bad enough to seek treatment. She flew back to Australia a few days later. At home, she noticed the pain was getting worse and visited her local doctor. It turned out that her ankle was fractured. As Amanda waited until she was back in Australia to receive medical treatment, her treatment was covered under the Australian healthcare system and her travel insurance claim for medical costs was declined.