Horizons Unlimited - The HUBB

Horizons Unlimited - The HUBB (http://www.horizonsunlimited.com/hubb/)
-   Staying Healthy on the Road (http://www.horizonsunlimited.com/hubb/staying-healthy-on-the-road/)
-   -   Life Insurance (http://www.horizonsunlimited.com/hubb/staying-healthy-on-the-road/life-insurance-10986)

manggo4you 13 Mar 2006 22:08

Life Insurance
 
Hello, I am a new member. I am wondering where to get a life insurance policy for RTW trip? Thanks for the info.

beddhist 22 Mar 2006 02:09

Hi and welcome.

I don't think that life insurance policies have anything to do with bike trips, i.e. the company probably doesn't care whether you travel or not.

Or do you mean health insurance?

SKILLO 22 Mar 2006 03:39

beddhist, i think this may be a country/language/terminology misunderstanding. Life insurance is the very odd term used for a policy where you pay while you are alive and insurance pays your beneficiaries when you die. It should be called death insurance.

manggo4you, do you really want life insurance? or do you really want health insurance as beddhist suggests? I cannot help with life insurance, but there is plenty of info on this HUBB forum and the main website on health insurance - just use the search function. I currntly have health/travel insurance with World Nomads as they are one of only a few that do not exclude motorcycle use. I have not made a claim so cannot pass judgement on them, except to say they offer only basic cover but at low backpacker prices.

Regards
John

manggo4you 22 Mar 2006 04:45

SKILLO and beddhist, yes I am considering life insurance in addition to health insurance. The need for health insurance is obvious to me. So does life insurance considering the fatal incident that motorcyclist could get.

Normally you can get life insurance with payout before you die or if you loose limbs or become disable. However, I have not found a life insurance companies that would cover me (I am in the US). As soon as I mentioned "travel" and "foreign country" they start backing away.

I have not found life insurance covered in HUBB, so I posted it on the closest topic.

quastdog 22 Mar 2006 05:40

With Travel Insurance, there is a death benefit usually. Isn't this what you want?

------------------
quastdog
Seattle, Washington USA
F650GSDakar

Lone Rider 22 Mar 2006 06:01

Quote:

Originally posted by manggo4you:
SKILLO and beddhist, yes I am considering life insurance in addition to health insurance. The need for health insurance is obvious to me. So does life insurance considering the fatal incident that motorcyclist could get.

Normally you can get life insurance with payout before you die or if you loose limbs or become disable. However, I have not found a life insurance companies that would cover me (I am in the US). As soon as I mentioned "travel" and "foreign country" they start backing away.

I have not found life insurance covered in HUBB, so I posted it on the closest topic.


There are probably 2 bazillion agents within 20 miles of you that would sell you a life insurance policy. I doubt foreign travel would be excluded by many.
Keep you trip plans to yourself. Only be concerned with exclusions.

manggo4you 22 Mar 2006 07:17

Lone Rider,
Yes, I checked the locals and made a mistake of mentioning travel. The exclusion are countries listed on the State Department travel warning list.

quastdog,
Yes, there are small amount. I wanted a larger coverage.

Thanks guys.

seanh 23 Mar 2006 13:37

It's probably better to clarify your travel plans to the insurance company, better than them refusing a pay out later based on a technicality. And you wouldn't be around to argue the point.
World Nomads seem reasonable when it comes to claims, i currently have a claim being processed for a stolen camera, they told me it doesn't matter if i've lost the receipts, just send the manual. I haven't seen the money yet though.
Sean


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