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Staying Healthy on the Road Medical info, e.g. malaria, vaccinations, travel medical tips, medical insurance, where to find a doctor.
Photo by George Guille, It's going to be a long 300km... Bolivian Amazon

I haven't been everywhere...
but it's on my list!


Photo by George Guille
It's going to be a long 300km...
Bolivian Amazon



Ripcord Rescue Travel Insurance.

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  #166  
Old 3 Feb 2017
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For the UK...

Just bought motorcycle travel insurance from HolidaySafe - one of their underwriters is a biker. All the usual stuff. Looks pukka.
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  #167  
Old 8 Mar 2017
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who's the underwriter?
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  #168  
Old 14 Mar 2017
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Anyone know of an insurer who will provide legal 3rd party road insurance for a non EU registered bike (owned by the rider) used in the EU?

Tourinsure seem to be the best for medical expenses but I'm thinking legal requirements?
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  #169  
Old 14 Mar 2017
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Quote:
Originally Posted by Des Senior View Post
Anyone know of an insurer who will provide legal 3rd party road insurance for a non EU registered bike (owned by the rider) used in the EU?
Here http://www.horizonsunlimited.com/hub...et-cheap-34822
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  #170  
Old 8 Nov 2017
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Update on companies offering WW medical insurance for bikers?

My medical insurance is up for renewal. Last year when I tried renewing my policy with Navigator, I was told they could no longer get policies for us (too many claims had made policies uneconomic for insurance companies).

I bought a policy with Tokyo Marina HCC. I was about to renew it until I read all the angry reviews from policy holders trying to get a claim out of the company.

I'm a UK citizen currently in Mexico. Any ideas of a good insurance company to call?

Cheers,

Bob
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  #171  
Old 11 May 2018
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Originally Posted by luckro View Post
My medical insurance is up for renewal. Last year when I tried renewing my policy with Navigator, I was told they could no longer get policies for us (too many claims had made policies uneconomic for insurance companies).

I bought a policy with Tokyo Marina HCC. I was about to renew it until I read all the angry reviews from policy holders trying to get a claim out of the company.

I'm a UK citizen currently in Mexico. Any ideas of a good insurance company to call?

Cheers,

Bob
I work for a medical assistance company so when you phone your insurance company with a problem, it is usually someone like us you will talk to.
Tokyo is one of the ones we deal with, I am on the medical side so don't get too involved in the nitty gritty of policies but my wife does. She says Tokyo can be a bit of a pain, we don't have any delegated authority so everything has to go through them, this makes the policy difficult to verify and slow to confirm cover, which means your potentially picking up a bill for thousands in the initial stages. They also ask for details of your previous medical history from your GP for almost everything which again can cause delays. They are also quite picky about the policy detail and related medical history.

Of the ones we deal with Endsleigh are good as they let us just get on with sorting stuff out so you get action quickly, don't pay and claim though because their claims department are a pain and take ages, let us deal with the hospital direct. We aren't sure if the cover motorcycling.

Maven/Aon is another good one that does cover bikers.

Aviva products and RSA are also good.

Be aware though that any claim for a condition that may be related to previous medical history will require us to check with your GP for most companies which may cause delays, so be prepared to have to lodge a deposit of potentially several thousand pounds with the hospital.

It is also a condition of most policies that you must be registered with a UK GP, so make sure you are still registered and keep your registration active.

Don't assume the hypocratic oath exists in other countries, it doesn't, if you can't pay then they will quite literally dump yoou in the street to die in some countries.

Declare everything so at least you know if there are any exceptions and there won't be any nasty surprises..

Read the policy documents carefully to ensure you aren't doing anything you might be excluded for, this might include travelling to certain countries, riding certain motorbikes, not taking your malarial tablets or indulging in a prohibited activity such as quad biking, or staying beyond the trip limits of the policy (most high street policies are limited to 31 days, and they will check).

Don't believe you can pull the wool over the insurance companies eyes, they employ special investigation teams, they've seen it all before and whatever your scam is, you won't be as original or clever as you think you are!

Don't underestimate the costs of treatment, bills of hundreds of thousands of pounds are not uncommon, so make sure your covered for what you are doing

Hope that helps
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  #172  
Old 11 May 2018
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Quote:
Originally Posted by luckro View Post
My medical insurance is up for renewal. Last year when I tried renewing my policy with Navigator, I was told they could no longer get policies for us (too many claims had made policies uneconomic for insurance companies).

I bought a policy with Tokyo Marina HCC. I was about to renew it until I read all the angry reviews from policy holders trying to get a claim out of the company.

I'm a UK citizen currently in Mexico. Any ideas of a good insurance company to call?

Cheers,

Bob
I bought our insurance with Navigator in January as we are off to Africa in two weeks. The motorcycle off road one.
Two years ago we used them too for Central Asia, and although we did not claim, as we did not use the excess, we called the underlying insurance, for some hospital stuff that we had, and they were very good.
The premium is rather expensive, but they cover biking for 4 months, even in non paved and off road. Worth it should the SHTF!
Cheers,
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  #173  
Old 2 Jun 2018
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Quote:
Originally Posted by Des Senior View Post
Anyone know of an insurer who will provide legal 3rd party road insurance for a non EU registered bike (owned by the rider) used in the EU?

Tourinsure seem to be the best for medical expenses but I'm thinking legal requirements?
We're the currently only supplier of such a product i EU, for Eu registered motorcycles owned by non EU residents

http://www.horizonsunlimited.com/hub...een-card-93020

cheers
Dooby
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  #174  
Old 2 Jun 2018
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Quote:
Originally Posted by Des Senior View Post
Anyone know of an insurer who will provide legal 3rd party road insurance for a non EU registered bike (owned by the rider) used in the EU?

Tourinsure seem to be the best for medical expenses but I'm thinking legal requirements?
Quote:
Originally Posted by Wanted View Post
Well I too have run into an insurance problem

I am insured with World Nomads Australia, They will cover me for motorcycle touring, however they will not cover personal liability if I injure someone or damage their property. I am mainly concerned about Europe, how can I get third party in Europe? My bike is French registered and apparently green cards are only issued to non-EU registered bikes. European insurance companies don't seem to want to insure me as I am not a resident.
Quote:
Originally Posted by Bennett View Post
Hi Wanted,
I am Australian with a Irish registered bike. last year I tried to renew my insurance from an Irish Insurer, but every available obstacle was placed in my way. Ended up obtaining insurance from a Croatia supplier. Have not got the supplier details on me in OZ but Martin from www.motofeirme.com. would probably inform you. The document took some time to arrive at an English address, but a copy is sent by email, which I copied and carried with me.
Regards Ben.
Lobagola is currently the only provider of such coverage as a registered tour operator and insurance provider.

We have been part of the moto and 4x4 community for long time, and many people know me as Dooby, here but also on ADVrider (we have dedicated thread there), Kiwi biker, Overland sphere etc.

All inquiries will be handled through our direct email: borderinsurance@lobgola.com very fast and efficient.

We're also on of the founders of Trans Euro Trail project known as TET, so if you plan to ride in Balkans you can send inquiries if you need any type of support.

Regards
Dooby
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  #175  
Old 29 Aug 2020
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Travel insurance for on and off road

Hello all,

I'm currently on a RTW trip and was struggling to find insurance that would a), allow me to take it out after I'd already started travelling and b), cover both on and off road.

Obviously I booked at this page, bit with the latest post 2 years ago it wasn't much help.

After a fair amount of searching, I found these guys:

CMS Ltd. <- it's a link

After a bit of back and forth with Paul (who works there) I confirmed all the details I needed and now I'm insured.

This company has the added benefit of being American owned which means it's not influenced by FCO travel restrictions. The only restrictions are, if there is a level 3 rating on the Centre for Disease Control website for a given country, you are not covered for that particular issue. If there is a level 3 or above rating on the US State Department website for civil unrest, you are not covered for political evacuation or terrorism issues.

All seems fair enough to me, better than British companies that won't cover you for anything at all if there is any FCO advice against travel in a country.

Anyway, if you're interested give Paul a shout
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  #176  
Old 6 Sep 2021
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Navigator in any case is underwritten by TIF Group who have very poor service reviews.

The best one I've found (on paper - not bought it yet) is Big Cat who are happy to insure older travellers on motorcycles for extended trips.

I'll be interested to hear what becomes of your inquiries.
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  #177  
Old 8 Sep 2021
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I’ll have to bookmark them as they do seem to tick all the boxes. Hopefully no catches like they don’t pay out or answer emails?
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  #178  
Old 6 Oct 2021
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Thanks for all the info guys. I am planning to ride in South America and then part of the TAT, all being well 2023. Just in the early stages of planning dates, shipping, routes and insurance of course.
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  #179  
Old 13 Oct 2021
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Thanks for the tip off re CSM insurance. Have got in contact with them regarding our trip - nice to see someone is willing to cover over 30 days still.
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  #180  
Old 2 Dec 2022
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Quote:
Originally Posted by reggie3cl View Post
Thanks for the tip off re CSM insurance. Have got in contact with them regarding our trip - nice to see someone is willing to cover over 30 days still.
I have deleted my recommendation on CSM. I had the need to contact them and the only way you are able to get hold of the insurer is via telephone to a USA number and during business hours. Not useful when you are in deepest Africa. Any chat/e-mail function does not get a response.

The broker CSM no help what so ever, so the 'proof of the pudding, is in the eating' as they say. I will not use CSM again.
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