Bike Insurance –
Most of the time we rode with
no bike insurance, as it was not a legal requirement for the country visited.
It would also take a long time to arrange in each country and would probably be
of dubious value in the event of any claim. The only countries where it was
required were Costa Rica (inexpensive, probably useless and arranged at the
border crossing as part of the normal formalities) and Belize (best arranged in
the nearest town – see chapter 19 of the online journal for more details).
You must have bike insurance to ride in the US & Canada. We tried ‘normal’ US
bike insurance companies but they wouldn’t touch us without a permanent US
residency. We found 2 companies who do bike insurance for non-nationals. Both
cover your bike for both the USA & Canada.
On our first visit to the US
we used Berglund Insurance Agency who issue policies through Dairyland Insurance
Company. It cost $219 + $60 agents fee for 3 months cover of the cheapest
option insurance they offered. Their contact details are:
Berglund Insurance Agency
4040 E Camelback Road, Suite
285
Phoenix, Arizona 85018
Tel: (480) 949-1034
Fax: (480) 949-0321
www.berglundins.com
Berglund offered the best deal
of the 2 companies but only offer cover for a maximum of 3-months. For the
Alaskan stage of our trip we used Motorcycle Express. Although more expensive
they offered policies for up to 6 months. It cost $252 + $35 agents fee per
bike for 4 months of the cheapest option insurance they offered. Their
contact details are:
Michael I.Mandell Inc /
Motorcycle Express
PO Box 457
Woodbury, New York
11797-0457
Tel: (516) 692-9220 or
1-800-245-8726 (toll free within US)
Fax: (516) 692-2485
Info@motorcycleexpress.com
Medical / Travel Insurance
– We had a comprehensive Medical / Travel Insurance package covering the
duration of our trip from ‘Insure and Go’ (www.insureandgo.com)
including a policy extension covering motorcycling. We took out the policy as
we wanted some security in the event of a major catastrophe - bad bike accident,
major illness etc. Maggie’s broken elbow in Argentina was fixed for free in the
local hospital including all medicines and materials (plaster of Paris etc). We
went to see doctors in Chile & Nicaragua for sore throats and the consultancy
fees were less than $20 with the same again for medicines. You can also buy
antibiotics, pills & ointments from any pharmacy if you are sure of what’s wrong
with you and know a good remedy. We had to abort our trip in September 2004
when Norman's Mum was diagnosed with Bone Cancer. The doctors recommended we
return home immediately as the outlook was not good. It was a frantic period,
as we suddenly had to find somewhere to leave the bikes, stow all our kit,
organise flights etc. Afterwards we remembered about the insurance policy and
that there was a cancellation / emergency return home clause in it. We
submitted a claim but they refused to pay out as we hadn't follow their strict
procedure, which stated we had to call their agents for permission to fly home.
If you take one of these policies, make sure you read the small print and follow
their procedures exactly or they don't pay!
Vaccinations, Certificates
& General Health
– We had all inoculations as recommended by the World Health Organisation but
were never asked to produce any certificates by any officials. That’s not to
say you won’t, so take the recommended advice before you leave home. The Yellow
Fever Certificate is especially important if you are travelling from affected
into non-affected areas.
Malaria
– we took Paludrine (daily) & Avoclor (weekly) tablets once we reached Northern
Peru and continued these on into Central America. We hated taking the pills but
as we were travelling in wet mosquito infested malarial risk areas we thought it
best to take something. The pills don’t stop you getting Malaria, they just
minimise its effects once you have it and in the end we had concerns over
possible ill effects of taking them for so long and so stopped after about 8
weeks. More worrying is Dengue fever as there is no preventive medicine and
some areas of Costa Rica had as many as 1 in 3 of the population affected. The
best prevention is to try and not get bitten. Wear long sleeve shirts &
trousers, spray with a DEET insect repellent and be especially wary at dawn &
dusk when the mossies are most active. We also carried a mosquito net and used
it frequently in cheaper hotels (make sure you bring something to string it up
with). If you don’t have a net, try to get a room with a fan, as the mossies
don’t like moving air.
Drinking Water -
we only ever drank
bottled water as even local tourist info recommends against trying the local tap
water. The exception was Panama, which apparently has some of the cleanest
drinking water in the world. Tap water is fine for cooking / tea if you are
going to boil it. I know the guide books warn about not taking ice-cubes in
drinks as they may be made from local tap water but we tended to observe what
others were doing in a particular establishment. As far as we know all the
places we drank in used bottled water for their ice as word gets round quickly
these days and a room full of customers with food poisoning soon gets
circulated. We never refused a drink with or without ice cubes and never had
any problems.
If you do end up with an upset
tummy, ask for Carbon tablets at the local pharmacy. We used these 3 or
4 times to stop diarrhoea and they were fantastic as they seem to stop
the runs quickly without permanently blocking your insides, which can happen
with Imodium type anti-diarrhoea pills and lead to worse complications.