Richie severely hurt his knee while snowboarding. He had been following a popular path when he suddenly collided head on with another snowboarder. Richie was badly hurt and sought medical treatment immediately. The hospital required him to pay upfront before providing treatment. When Richie contacted his travel insurer, he explained that he had already paid his bills and asked if he could submit his claim when he returned to Australia. His travel insurer spoke with the hospital and requested a medical report and receipts. After assessing Richie’s claim, his insurer reimbursed him for his medical costs.