Liam tore his foot open while playing beach soccer. The resort where Liam was staying had organised a friendly competition, but the game was competitive. While chasing the ball, Liam’s foot struck a hidden object in the sand and began to bleed heavily. He was rushed to the resort doctor. The doctor examined Liam’s foot and cleaned the wound. The cut was so deep that Liam needed to be transferred to the local hospital, where the wound was stitched closed. Liam was discharged from hospital and returned to the hotel. A few days later he began feeling unwell and returned to hospital. The cut had become infected and required further treatment. Liam contacted his travel insurer to assist with the mounting medical bills. His insurer organised payment for the hospital bills, further medical expenses and the taxi costs to and from the hospital.