A 62-year-old woman injured her toenail while in the United States and sought reimbursement from her travel insurer. After treatment, her claim was initially denied due to insufficient documentation and records. The Chandigarh District Consumer Disputes Redressal Commission ruled in her favor, finding the insurer guilty of unfair trade practices. The commission mandated a reimbursement of USD 944.61 along with compensation for mental agony.