You're right it would not be good to take a firearm back home that had a live round jammed in it, I had a lever action which jammed up pretty well, but the cartridge wasn't seated in the chamber, it just got wedged in the loading mechanism someplace. Luckily I had a screwdriver with me to take the lever out (note to self, don't use .38 specials in the Marlin 1894C, even if they say it feeds them OK).
As someone said, if its unfired and stuck in the firing chamber, it is effectively loaded.
I've never had a squib load jam a bullet in the barrel, so I'm not sure what I would do in that case. I always bring a cleaning rod with me, so I might try tapping it out, but if it didn't come easily, I would take it to a gunsmith.
If a case jams *after* it's been fired, and the bullet is not in the barrel, then you can feel comfortable whacking things a little harder to get it free. Unload any live rounds first, obviously.