Sandra was shopping when she tripped and fractured her wrist. She had slipped on uneven ground and instinctively threw her hands out in front of her to brace for the fall. The impact bent her wrist backwards and she had landed on her arm. Assuming it was just a sprain, Sandra continued with her shopping. After a few hours, the pain had become worse and she decided to visit a doctor. The hospital scans showed that Sandra had a bad break and required immediate surgery. When asked for payment, Sandra contacted her travel insurance provider to cover the cost of the surgery and other expenses incurred as a result of the fall.