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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 Bettina Hoebenreich, At the foot of the Bear Glaciers, eternal ice, British Columbia, Canada

Adventure is what you make it

Photo by Bettina Hoebenreich, at the foot of the Bear Glaciers, British Columbia, Canada.



Ripcord Rescue Travel Insurance.

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  #16  
Old 17 Jul 2015
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I got stung big time by the post office, I came back to UK for a short visit, after being out of the country for 2.5 yrs. I rang them, and asked, if I bought a 3 month policy for example, and I decide to stay abroad for another couple of months, could I extend whilst away?

They said yes, and the policy documents confirmed this. When I did decide to stay on in new zealand, I rang up to extend, and was told that I couldn't extend without returning to the UK and buying a new policy. This was because they had changed underwriters and the new underwriters did not allow this. GRRRR!!! So no coverage now. Post office did not contact me to say the policy had changed, and even when purchasing the policy, it took several phone calls to get the docs emailed through, and their online portal never really worked properly.
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  #17  
Old 17 Jul 2015
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Quote:
Originally Posted by Russ McDermid View Post
Its all just a huge nightmare ... all I want is someone to rescue me if Im hurt and pay for treatment... simple enough, No.
No, it is not simple.
It relates to the "moral hazard" of all such insurance.

One aspect is that insurance should cover only what is not likely to occur, thereby the underwriters will make a handsome profit and the share/stock holders will be content.

Another aspect is that once individuals are contracted into insurance cover which makes them "comfortable" in their own minds then those same individuals are inclined to take greater risks; thus by providing a particular form of insurance the industry itself has increased its' exposure to making a loss. Their statistical basis for deciding on an appropriate premium will be based on the general population whereas we want to be insured against our own follies while undertaking hazardous activity; so why would anyone take on a very high risk of losing money?

Naturally, this is a first world approach and way of thinking that would not occur to many others on this planet.
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  #18  
Old 17 Jul 2015
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Quote:
Originally Posted by Fern View Post
Post office did not contact me to say the policy had changed
From your description, the policy did not change, it expired at the end of the period.
Nor would it change as an extant contract between you and the underwriter providing the cover, via the PO acting as the broker.
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  #19  
Old 17 Jul 2015
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I rang up to extend before it expired.

Sent from my SM-G900F using Tapatalk
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  #20  
Old 17 Jul 2015
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Quote:
Originally Posted by Fern View Post
I rang up to extend before it expired.

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At which point they informed you that they had changed their underwriter; that happens frequently with the middle men/brokers.
It's just business practice.

To obtain the "same policy" you would need to establish who is still brokering for your original underwriter; someone will be unless that insurance company went out of business completely.

Some brokers handle a number of underwriters, perhaps depending on their scale of business.

In any case, I can't see how the PO "stung you big time".
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  #21  
Old 17 Jul 2015
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Broker choices

Anyone tried these folks for a quote?

Motorcycle Travel Insurance from Holidaysafe

Or these?
Travel Insurance Online : low cost, comprehensive travel insurance for all
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  #22  
Old 19 Jul 2015
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Location: Hereford, UK. & Chiang Mai, Thailand.
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Perseverance pays !

Well, after basically checking loads of insurance companies, and going down the "backpacker insurance" route, I found a 12 month policy, (WW excl USA & Canada) that includes motorcycles of any capacity....

Alpha 250 Longstay GC Policy - £143 for a full year.

Maybe the benefits aren't the best out there, but they got good reviews on Trustpilot, will pay up to £10 million in medical, and repatriate me if deemed necessary.
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  #23  
Old 15 Aug 2015
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Just to update re the Post Office (UK): I just checked with them as I need insurance for an upcoming trip; while they still cover bikes up to 1100 or so cc, they do not cover unpaved roads (I asked about this specifically). So, I checked with Navigator Insurance. They have no limit on cc and ALL official roads are covered. Their definition of a road was one on which a normal car could travel, paved or otherwise. Hell of a lot cheaper than the Post Office as well.
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  #24  
Old 26 Aug 2015
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Waterlilly

Quote:
Originally Posted by waterlilly View Post
I to read this, seems to be an issue, our biggest problem is we are on the road, and they will not cover anyone over 60. Any suggestion would be helpful.
it's not 60, it's 70, and after that they assess you on a case by case basis.
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  #25  
Old 8 Aug 2016
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World Nomads

i just did a claim with them for non motorcycle related medical emergency in US when travelling for a couple of months (I am Australia) and they paid out quickly and with minimal pain ...

Much better than an experience I had with Cover More in Oz a few years back ...

It is a caveat emptor moment.

BTW I got home last year having not needed my insurance to discover the 125cc max clause had been there all the time and I have done 25,000kms un insured on a 1200cc BMW! There but for the Grace of God!

Read the small print!

Peter
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  #26  
Old 8 Aug 2016
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Quote:
Originally Posted by Russ McDermid View Post
will pay up to £10 million in medical, and repatriate me if deemed necessary.
Read the fine print.
I have read of someone who was injured and assessed as requiring medical treatment. But the assessment was that air transport would be risky - treatment should be made locally. The insurance company assessed it as requiring repatriation - on a normal commercial flight .. the cost of that to them was far lass than the medical costs and one repatriated the medical liability for them ceased.

Who does the assessment of repatriation vs local medical treatment and who is liable for the costs?
And who assesses how the repatriation is to be done?

With luck you and I will never find out.
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  #27  
Old 31 Oct 2016
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Quote:
Originally Posted by Sheonagh View Post
I know someone who got insurance with World Nomads, started out from Australia, got as far as Thailand with her own bike, had an accident and Nomads refused to pay out - she hadn't read the small print. Her father had to pay her hospital bill and her repatriation back to Israel. Her bike is still in Thailand three months later....

I find you have to tell each potential insurer exactly what you plan to do with your own bike plus the altitude you might reach plus the fact you may not have a return flight booked (!) plus all your health stuff - half the time they don't ask you the right questions.... From UK try Backpacker Travel Insurance UK, Cheap Holiday Insurance Cover | Navigator Travel or Backpacker, single trip & cheap travel insurance policies (via Overland Magazine).

Oh and don't wait till you are retired before going off on the long trip! Once you hit 60 and beyond, it gets progressively more difficult and more expensive to find insurance. At 66 I am now down to 90 days max at one time....
Global Rescue will do 365 days/year to age 85. Up to 75, it's $639/year. I'm just now renewing for my third consecutive year and spend 90% of the time in Asia.
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  #28  
Old 31 Oct 2016
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Insurance companies sell different policies tailored to particular markets. They do this largely because they're legally bound to do so. For example, any insurance product sold to me is constrained by the laws of my country (USA) and state (Washington).

That means the policy I'm offered when I click on a World Nomads, Global Rescue, or any other ad is likely to be very different from the one you see. This in turn means that my specific experience is probably not relevant to anyone who doesn't live where I live. The value of posts like the one above which declare confidently what Global Rescue or any other company will provide, and for what price, is pretty minimal.

It's also true that most of the specific insurance brands described in this thread are not insurers at all, but rather agents who sell a variety of insurance products offered by various insurers. This follows from the point above--agents have to sell products which are locally approved, and they can't possibly secure local approvals in all the different markets around the world.

And it's certainly true that insurers and agents often believe themselves in the business of selling you their products, not providing you with services. They may know--or not--that they're not covering you and your overland bike, but in the end many of them are not terribly concerned with what happens to you on the road. Therefore: read the fine print carefully before signing a contract (and offering your credit card). Your agent is not your friend, and he/she is not necessarily on your side.

Lastly, for my purposes as a resident of Washington State in the USA, I've found the most appropriate, most complete, and cheapest travel and medieval insurance at DAN, which is a diving organization. You can google them and see what they offer wherever you live--I don't know whether they sell internationally, or how this might apply.

Hope that's helpful.

Mark
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  #29  
Old 22 Dec 2016
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after a long research I want to share, maybe it helps to someone.

Forget UK and US citizens. They have a whole world of rules. They dont apply the rest of us.

Navigator: Forget it. Only for UK

World Nomads: accepted bikes. Bad part : they have and excess of 100 USD EVERY TIME YOU GET A DOCTOR.
https://helpdesk.worldnomads.com/cus...ike-or-scooter

IMG: Globe hooper single trip product. seems to be the right option.
Only one excess per policy
I can choose amount of excess
Europe policy cover the Stans
Adventure Sports policy covers travelling in motorcycle
Price seems ok
Renew overseas

I would like to hear is someone used it and their experience.

Thanks
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  #30  
Old 25 Dec 2016
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Join Date: Mar 2004
Location: Montreal
Posts: 250
I recently bought insurance from IMGlobal. Can't comment much about the company since i did not and hope not to make a claim.

I called them and they told me that they cover only riding motorcycle on paved road.

If you plan to buy your insurance from them, have a quote from Motorcycle Express: They have better plans than on the IMG website.

Patrick
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