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Medical Insurance |
Insurance Agencies |
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| Medjet
Assistance Medical Evacuation Insurance |
From Ed Messenger, on the HUBB, re Medical Evacuation
Insurance:
"Luckily I never had to use it but I got Medjet
Assistance last year. Your first year is $175, they have their own
hospital planes or will book you on a commercial flight if you're mobile.
They fly you home- not just to the hospital closest to your location. They'll
even work with you inside the US if you have an accident 500 miles from
home, or need to be flown to Mayo clinic for special treatments.
Their rules are easier to meet than most other companies
in terms of getting qualified for evacuation. In a nutshell if you are
admitted to any bush hospital and can get a local official to say you need
prolonged care, or advanced treatment they'll come get you. I found them
through a friend who was very concerned about the best policy and did lots
of research before getting it himself. Ed"
Michael Paull adds his endorsement of MedJet (and
he DID use their services - twice!):
"... After an additional three days in Beijing,
I was deemed stable enough for air evacuation back to the University of
Washington Medical Center in Seattle, WA, in the company of my wife Aillene
(who had flown in from Japan), and an air transport trauma nurse provided
by the company that I had procured medical evacuation insurance from, MEDJET
Assistance - without doubt, the best insurance coverage I have ever purchased
in my life.
A small plug here - these people were remarkable...
If there was ever a better case for '...don't leave home without it.',
MEDJET Assistance is at the top of my checklist, no matter where I travel
(and I hope to do a LOT more)."
Note: Per the Medjet Assistance site: "... a medical
transport between Europe and America can run more than $35,000. Middle
East and South American flights range from $60,000 to $80,000. Transport
from Asia often exceeds $100,000." Sounds like $175.00 is pretty cheap
insurance!
We are VERY pleased to annnounce that we have arranged with MedjetAssist a program especially
for Horizons Unlimited people. Click the logo below for USA and Canada citizens to find out more. (NOTE: It's still in progress
for the final HU version, but you can get MedjetAssist now!)

For OTHER nationalities it is currently a little more complicated. There IS a Foreign National Plan, but
you can't enroll online. It's a faxable enrollment and subject to
underwriting approval. The rates are the same, but transport is restricted to "back to home country - hospital of choice" rather
than "anywhere in the world - hospital of choice". We are working on improving that, but at least it IS available! Go here
to contact MedjetAssist and inquire about the Foreign National Plan.
Not sure you need insurance? Read this article in Forbes |
| 1
World Insurance |
This US site has coverage for US and non-US citizens - The International
Citizen Series, which is annually renewable. For coverage which includes
US and Canada, or if you want emergency medical evacuation, you must purchase
'Platinum' coverage, otherwise lower cost policies are available. There
is no mention of exclusion for motorycles. |
| Auslandstreff |
"If you are looking for a long term (or unlimited) full
private health insurance (not only a travel insurance) with worldwide coverage
you can try www.auslandstreff.de (insurance broker with good service !)
The site is in German and the different types of insurance cover are mainly
for Germans/Austrian/Swiss citizens." Post by Nannup, a new member
on the HUBB, 24 March 2002 |
| Assurantiekantoor Alessie |
"Assurantiekantoor Alessie is specialized in temporary
insurance for automobiles, campers and motorcycles.
Whether you are planning a world trip, traveling for pleasure, business,
or staying in a foreign country as temporary resident or student,
Assurantiekantoor Alessie has the right insurance for you." |
| Campbell Irvine |
"Campbell Irvine are Registered Insurance Brokers who have been established for more than 30 years. We are an entirely independent company, who pride ourselves on quality, professional and above all, a personal service."
Maria Robinson from London, Surrey, Britain said:
"cover motorcycling as activity for an extra 50% of the quoted price. No restrictions on bikes." |
| Churchill |
Challenge Churchill with your Online Travel Insurance. UK residents only.
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| Council
Travel |
Coverage is restricted to US citizens or legal residents who are traveling
in the US or internationally. A policy specially designed for student and
budget travelers, but there is no age limit mentioned. Premium for 12 months
(max.) is US$550. Motorcycling is not specifically excluded, but it does
exclude losses resulting from: contests of speed, motor sports and motor
racing, and while the insured is driving under the influence of alcohol. |
| Club
Direct |
"Club Direct's Discovery travel insurance covers you for long trips
abroad, anywhere in the world. Trips of 31 days to a year or more, choice
of two levels of cover, worldwide, Europe or Australia/New Zealand, flexible
cover tailored precisely to your needs, includes work abroad and sports
& activities, ability to extend period of cover whilst abroad, premium
refunded for early return, multi-lingual medical assistance provided 24
hours a day, variable policy excess and section limits, 14 day no-quibble
premium refund guarantee.
Please note that Club Direct travel insurance is only available to UK
nationals, or people who have lived in the UK for 2 months or more and
have a permanent UK address."
Andy Miller (UK) has used their services and recommends them for reasonable
rates (£236 for one year except USA/Canada, with £50 excess,
additional premium £91 for 3 months in USA/Canada), prompt reimbursement
of medical expenses and general helpfulness.
Maria Robinson from London, Surrey, Britain said:
"bikes restricted to 125cc" |
| Direct Line |
Contact Direct Line forHoliday Insurance in the UK. UK Residents
only. |
| Downunder
Insurance |
"Comprehensive Travel Insurance for the Adventurous Traveller Downunder
& World Wide". Offer a range of medical insurance policies for
residents of Australia, NZ or UK
Also claim to offer vehicle insurance for non-UK residents, but
upon inquiry, they don't include motorcycles in their definition of vehicles.
Boo! Hiss! We will be continuing to have discussions with them about this!
Website is a work in progress, not all working, but they do have phone
numbers listed for their call centres. |
| Hickok & Boardman Insurance |
"Hickok & Boardman Insurance is the oldest and one of the largest retail insurance agencies in Vermont." Offers commercial insurance and personal insurance.
Maria Robinson from London, Surrey, Britain said:
"Quote: Nearly £500 for 6 months worldwide excl. US/CAD (max cover seems to be 6 months. Not sure it can be
extended)" |
MultiNational Underwriters  |
They have no motorcycle restrictions for ordinary travellers. Evacuation is included in their coverage. Recommended by
David McMillan from San Francisco, CA, USA.
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| Navigator |
Coverage restricted to EEC residents, and geared for under-35 (though
us ancients can get coverage). Premium for 12 months with no geographical
limits is £296.00. Add 20% for ages 36-55. Add 40% for ages 56-64.
"Motorcycling is covered under all sections except for Personal Accident
and Personal Liability, medical expenses will be covered under the Medical
Expenses section".
From Cynthia Milton: Navigator insurance only covers to age 50 for travellers.
Maria Robinson from London, Surrey, Britain said:
"Gold and diamonds policies include motorcycling.
Add 25% to the quoted price for >35yr old. Riders must wear helmet at any time and must hold licence- I was quoted £280 (I'm >35!) for 10months worldwide excl. US/CAD and excluding luggage/passport/cash insurance (that gives you a 15% discount)."
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| Saga Insurance |
Saga specialise in over 50's Travel Insurance. UK
residents only.
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| STA Travel |
"With STA Travel's Premier insurance you have the most extensive cover available."
From Cynthia Milton: STA "cover up to 64 and include motorcycle touring in the Premier policy. Not a bad price either."
Maria Robinson from London, Surrey, Britain said:
"Their 'Premier' Policy includes motorcycle touring. They confirmed on the phone that there is no restriction regarding engine size etc...
Again quote was £309pp for 10 months for South America 2007"
Bruce, UK, said: "when I queried the STA recently they stated that 'yes motorcycle touring was covered' but up to 125cc!" |
| Trailfinders |
"Trailfinders Tailormade Travel Insurance, developed over some 35 years and effected by AXA Insurance UK Plc, has been specifically designed to cater for all types of traveller on all types of holidays."
Maria Robinson from London, Surrey, Britain said:
"cover motorcycling with no restriction, only add 50% to the quoted premium from their website to include motorcycling- Example £509pp for 10months worldwide exc. CAD/US" |
|
The Travel Insurance
Agency |
"specialise solely in travel insurance...budget traveller...already
travelling" etc. UK based (NO USA citizens) but all others ok. Explorer
policy - "Specially for the budget traveller covering yourself for
the necessities", maximum age 40, is £181.50 for 12 months worldwide
coverage. Motorcycling coverage restricted to under 500cc. |
| World Nomads |
"World Nomads cover is specially designed for adventurous independent travellers.... We cover overseas medical expenses and evacuation in the event of emergencies, and offer luggage cover that can include laptops, digital cameras and iPods."
Maria Robinson from London, Surrey, Britain said:
"restrictions as following. None if you are a US/NZ/Oz/US citizen/resident. If not, they will cover trip including motorcycling, but only if your trip will go via Oz or NZ! They just confirmed this by phone.
And yes they will ask prove (like plane ticket) that your trip will cover these countries. Basically I was told they make sure you go to Oz /Nz….."
Bruce, UK, said: "when I queried the STA recently they stated that 'yes motorcycle touring was covered' but up to 125cc! Same goes for World Wide Nomads" |
| Worldwide
Travel Insurance |
This is a British site, but it provides insurance for all nationals and
coverage up to 24 months. Motorcycling is covered (for an additional premium),
but the premium table is confusing as to how much additional per month
it would cost.
Maria Robinson from London, Surrey, Britain said:
"Cover motorcycling. Restriction: no compensation payment in case of disability as a result of a bike accident but will cover medical costs resulting from an accident on the bike.
Quote: £400 pp for 10months worldwide excl. US/CAD" |
| "worldwideinsure" |
"Cheap travel insurance for worldwide holidays: Annual Multi-trip Travel Insurance - Single trip Travel Insurance"
Bruce, UK, April 2007 said : "Best choice by far has been 'worldwideinsure', they have covered my wife and myself for 4 months in the USA... £248 :-)" |
Link Sites |
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Medical
Insurance |
Links to Travel Medical insurers in USA, Australia and UK. Be sure to
check the fine print! |
| UK
Travel Insurance gateway site |
"Here is a good link of the better known UK travel insurance offerings.
Make sure you read the small print to make sure you're covered as a biker.
It might also be a good idea to e-mail them if you have any questions on
what is/what's not covered before you buy, to beef up you legal position
if you do claim. Some of the people on the helpdesks told me bikes weren't
covered, although it said so in the small print." Post by GS George
on the HUBB, 19 April 2002 |
|
Blood, Sweat & Gears: Ramblings on Motorcycling
and Medicine

by flash Gordon, MD
City Bike, December 1995
"Ever wonder what to do if you're on a ride and someone
crashes? What's the best remedy for road rash? What should you do if you get
hemorrhoids from too much time in the saddle? How can the common cold affect
your ability to ride? It's all here. Best of all, flash's medical advice is delivered
anecdotally, with incidents gleaned from 33 years as a motorcyclist and not quite
so many as an emergency-room physician and staffer at the Haight Street Free
Clinic."
Motor Cycle News, November 1995, UK
"Witty, amusing and well written. Dr. Gordon - yes
flash IS his real name! - provides a unique insight into biking and medicine".


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