Allen was jogging on the beach when he tripped and broke his ankle. Allen liked to keep fit and had been taking daily runs along Bali’s beautiful beaches. While jogging in soft sand, Allan fell on an uneven mound and twisted his ankle. In immense pain, Allen limped to a nearby beach club and called an ambulance. When he arrived at the hospital, doctors took x-rays and discovered a nasty break that required surgery. Allan refused the treatment, deciding instead to postpone it until returning home. The Indonesian doctors bandaged Allen’s ankle and prepared him for his return to Australia. Allan’s travel insurer reimbursed him for the medical treatment he received in Indonesia.