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[Oversea] insurance cover accident during birdwatching?

insurance cover accident during birdwatching?

My wife and I will go to Manila for bird watching.  Just want to ask if insurance covers any accident happened during bird watching, e.g. snake bite, or falling down hurting self outside Hong Kong.  Of course I could ask the insurance company.  Appreciate any input.

Eric

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Very good to hear about that.  
Thanks for your reassurance.

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