Short term medical insurance options (when visiting)?

[Dezmo]

I am buying a motorcycle to ride for a few weeks on this trip, then store it here and come back later this year. (I live in USA.)

 

I can get full coverage insurance on the bike with medical coverage but wonder if I should just get the basic coverage to save $$ (since it is in storage for many months),  and get medical for myself for each trip I take here (then I have it when not on the motobike)?

 

I wonder if anyone had suggestions for decent medical coverage for short term visits (few weeks to few months, and later maybe longer)?

I need to be sure it would cover me in a car or motorbike also.

I am in good health, no conditions, etc.

 

It may not make any economic sense (?), and maybe best to get medical (short term) and have the medical option on the bike insurance too.

 

Thanks!

[Etaoin Shrdlu]

 

Most Thai insurers only offer proper medical insurance on an annual basis. That may not be practical for someone here only for a few weeks or months.

 

The personal accident section of a motorbike policy won't usually provide much coverage. I don't think you'd save much money by declining this extension, but by itself it might not be enough.

 

A travel insurance policy with higher medical expense limits may be a good option. Check for exclusions for motorcycle risks including restrictions on engine size. You will probably find better travel policies from insurers in the US since most Thai insurers only offer outbound, not inbound, travel insurance. Most insurers require that the policy be taken out prior to start of travel, 

 

A good insurance broker could help you find a good fit for your needs and may also help you should you have a claim. Make sure you read and understand any policy before you give the order to bind coverage.

 

Good luck.