Adventure Cycling Association Forum

Bicycle Travel => General Discussion => Topic started by: obinja on September 01, 2012, 09:58:01 am

 
Title: Health/Medical Insurance while cycling abroad
Post by: obinja on September 01, 2012, 09:58:01 am
Anybody have any experience with health insurance providers while traveling abroad? I found a company or 2 but they don't specify if (God forbid) I get hurt while cycling if they will cover it.
Title: Re: Health/Medical Insurance while cycling abroad
Post by: irc on September 02, 2012, 04:11:47 pm
You'll maybe get a better answer if you say what country you live in and what country(s) you want to tour in.   I found I had to read the small print of policies carefully.  If it isn't clear whether cycle touring is covered contact them. By e-mail, not phone, so any replied is in writing.
Title: Re: Health/Medical Insurance while cycling abroad
Post by: bogiesan on September 07, 2012, 08:36:25 am
Do you have health insurance now? You may be able to obtain a low-cost rider from your present provider. Having insurance "abroad" is not the same as having access to emergency medical services, health care providers or hospital facilities. Such may be very different than what you are accustomed to or they simply may not exist at all. Just like being able to repair your bikes, you want everyone in your group to be thoroughly trained in advanced first aid so you can help each other in extreme situations.

Title: Re: Health/Medical Insurance while cycling abroad
Post by: irwin7638 on September 23, 2012, 01:26:18 pm

First, read your existing policy.  I know it sucks, but that's the best way to find out. Most US carriers provide "out of network" coverage while you are travelling, but "out of network" means larger deductibles, copays and higher costs for services in general.
The next caveat is determining how reliable their service is on foreign soil, you may have some flaming hoops and minefields to navigate before services are actually paid.  Of the carriers I have handled Assurant is the only one which actually advertises worldwide coverage and recognition.
Title: Re: Health/Medical Insurance while cycling abroad
Post by: Shane on September 29, 2012, 11:25:33 am
During my brainstorming process for my current trip I kept track of what i was looking at. I'm not sure how relevant it is for you but take a look anyway, you might find something worthwhile...

http://shanecycles.com/cycling-info/info/bicycle-travel-insurance

Shane
Title: Re: Health/Medical Insurance while cycling abroad
Post by: dombrosk on September 30, 2012, 01:59:12 pm
When I spent a month in South Africa a few years ago, one of the requirements of the sponsoring organization was insurance that provided 'medical evacuation'... to cover a situation where you might need to get back home for continuing care, but a standard airline seat would  not be OK.

Since then, I've NOT purchased additional coverage while travelling... my regular coverage is OK for me overseas.  But if I were to be looking at policies I'd definitely check out their coverage of medical evacuation.

Safe riding, everyone!