Je pars en octobre pour un périple en Amérique du sud, et je suis actuellement entrain de chercher
une assurance-assistance-rc intéressante.
Après moultes allers-retours sur les forums, j'ai été séduit par le contrat RAQVAM de la MAIF qui propose une rc à l'étranger en plus de l'IMA pour un voyage n'excedant pas 12 mois.
Le Hic, c'est que je suis actuellement à la MACIF et que la date anniversaire de mon contrat est passée, donc impossible
de résilier.
J'ai été voir la MAIF avec mes gros sabots, et j'ai déballé mon projet de voyage sur la table... résultat, ils ont freiné des fers en me disant que c'était trop risqué pour eux de me faire un contrat uniquement car je souhaitais une rc pour l'étranger dans le cadre de mon voyage. Il m'ont conseillé de m'orienter vers des compagnies d'assurances spécialisées dans le voyage.
Si j'avais su, je l'aurais joué plus fine...
De là ont germé dans ma tête plusieurs questions:
Primo: peut-on être assuré en même temps chez deux assureurs différents, est-ce légal?
Deuzio: Si oui, un assureur a-t-il le droit de refuser de faire signer un contrat s'il estime que les
risques encourus sont trop grands?
Tercio: Dans le cas où je signe un contrat rc à la MAIF, y'a-t-il une période de latence avant que je puisse obtenir la rc pour l'étranger, où prend-elle immédiatemment effet? (question importante...)
Je pensais revenir à la MAIF (en espérant ne pas tomber sur la même personne) et souscrire un contrat RAQVAM de base (sans dire un mot sur mon projet de voyage).
Mais voilà ce que j'ai lu récemment dans les conditions générales du contrat RAQVAM:
"En cas d"absence de déclarations de circonstances nouvelles constituant... des créations de risques, nous pouvons invoquer la nullité du contrat si votre mauvaise foi est établie ou la réductions des indemnités si vous êtes de bonne foi".
Or, je l'avoue à voix basse, je suis dans le cas présent d'une fort mauvaise foi!!
Je me disais qu'après avoir souscris le contrat, je leur passerai un petit coup de fil un mois et demi avant le départ pour leur dire comme ça: "Tiens, l'idée m'a pris y'a quelques jours de plier bagage et de me ballader sur les routes d'amérique du sud pour une année!"
J'ai peur qu'alors, la close citée plus haut corresponde parfaitement à mon cas et qu'on me demande gentiment (ou pas) d'aller voir ailleurs...
Ceux qui auront eu le courage de tout lire, qu'en pensez-vous?
Je devrais sans doute tirer un trait là-dessus, et m'orienter vers une assurance type AVI ou AVA...
Bon, en tout cas je lance un petit conseil à vous, futurs voyageurs: Ne laissez pas passer la date anniversaire de votyre contrat si vous souhaitez changer d'assurance!
Sim
'Caminante no hay camino, se hace camino al andar...'
Bonjour,
Je suis un peu dans la même situation que toi, je pars un an en Amérique latine et je n'arrive pas à m'en sortir avec toutes ces conditions, ces contrats, etc
As-tu trouvé une solution?
Autre question qui n'a rien à voir, que compte-tu faire pd ton voyage? Car je pars le 1er juillet au mexique et je serais vers sept octobre en amerique du sud, recherche-tu des compagnons de route, ou fais-tu la totalité en tour organisé?
Aude
Pour l'assurance, je lâche la MAIF (trop compliqué) et je pense me tourner vers AVI international .
J'ai fait un devis sur 10 mois à 490 euros, directement sur leur site (tu peux voir le détail des risques couverts).
J'ai aussi été voir sur la page de Round The World Insurance, et j'ai fait un devis sur la même période qui reviendrait à 330 livres soit 380 euros avec la couverture maximale.
Reste à étudier ça dans les détails avec un bon dico (leur site est en anglais), je ne fais que très moyennement confiance aux traducteurs automatiques...
Je vais donc me décider entre ces deux-là.
En ce qui concerne mon voyage, j'arrive le 5 octobre à Cayenne. Mon projet est de descendre vers le Brésil, Uruguay puis Argentine pour ensuite remonter vers l'Equateur.
Ca me ferait plaisir de faire un petit bout de route avec toi, si nos itinéraires se rejoignent.
Et pour répondre à ta question, non, je ne pars pas du tout en voyage organisé, je serai le seul à décider
de ma route.
Si tu es toujours ok pour une rencontre sur place, fais-le-moi savoir, on pourra se laisser nos contacts sur la messagerie privée...
A+
Sim
'Caminante no hay camino, se hace camino al andar...'
Merci pour l'info,
oui, on peut rester en contact sans problème. de meme pour moi, je n'ai pas d'itineraire pres etabli et je vais ou mes pieds me portent alors il faudra voir un peu plus tard ou on en sera.
Aude
C'est Simon, on s'était parlé à propos du choix d'une assurance, tu me remets?
Je pars dans 20 jours pour la Guyane, ça approche.
Tu m'avais dit partir début juillet au mexique, et tu comptais être début octobre en amérique latine,
c'est toujours d'actualité?
J'arrive le 5 à Cayenne, j'y reste 2/3 semaines puis je descends au Brésil.
Tu seras dans le coin pour qu'on se retrouve, si tu en as toujours envie?
J'attends de tes nouvelles.
Bonne route...
'Caminante no hay camino, se hace camino al andar...'
I’m planning a trip to Japan next year and I have asthma...
I wanted to know about the regulations regarding Ventolin (Salbutamol) in Japan—is it considered a drug? Can I bring my inhaler with me, or do I need to buy a similar product in Japan?
I have two American cousins. The older one was born in Paris, and his sister was born in California. The latter is planning a trip to Paris this summer, but she recently fell ill, and American doctors don’t know what’s wrong. I had the idea of letting her take advantage of her trip to get treated here, avoiding the high healthcare costs of the American system in the process. The problem is, I can’t find anything online about this—just testimonials from French people who used to be American, but nothing for a simple tourist.
I’m traveling to Portugal with my family and I have a treatment that requires injections. How can I take a flight with these? They look like injectable pens.
Thanks
We’re planning a trip to the Philippines from April 22 to May 8, 2026. Flight from Geneva with a layover in Turkey and Manila. Our itinerary: Angeles – Busuanga – Palawan…
The Philippines are a dream destination, but is it possible to travel there safely? I’ve heard that checked luggage often gets lost, tap water isn’t safe to drink, and mosquitoes are everywhere.
For water, what’s the best solution to carry in a backpack? Is a filtering water bottle 100% reliable?
For mosquitoes, should we treat our clothes with repellent? Are you vaccinated against hepatitis A, malaria, or dengue? Or is there an oral treatment to take?
Hi there,
Does anyone know if there’s travel insurance for someone who’s had a heart attack?
I can’t find an insurer that covers a pre-existing condition, even if it’s stable.
Thanks so much!
Hi everyone, next month my wife, our 6-year-old daughter, and I are flying to Thailand. It’ll be a great chance to soak up some sun—something we’ve been missing lately here in France! But speaking of sun, I burn easily, and our daughter even more so. I was wondering what SPF to get for sunscreen and whether it’s better to buy it there or before we leave? Thanks for your tips!
Hello,
We’re planning to spend 3 months in Madagascar starting in mid-February.
Areas: Mahajanga, Tulear, Diego Suarez, and Sainte Marie—the order isn’t set yet. We’ll either drive for part of the trip or take flights.
We’ve heard all sorts of things about required vaccines and medications (is anti-malarial mandatory?). What’s the exact situation for travelers?
I’ll come back to you for other topics (like finding a reliable driver, among others).
Thank you.
Best wishes to you all,
Nicole
We're about to go on an organized trip to South Africa, including Kruger Park. We were told that Malarone should preferably be taken in the evening at the same time during a meal. But it's hard to know what time we'll have dinner, especially since I've read that in South Africa, dinner is usually around 6 PM.
I'd love to hear from people who've been on organized trips to this destination and could share their experience. We were thinking of taking Malarone around 7:30 PM, assuming dinner would be closer to 7 PM than 6 PM. Also, if the meal ends up being earlier or later than when we take the pill, would a cookie or a piece of bread be enough to take with Malarone?
I’m planning to set off on a "round-the-world" trip/long journey at the start of next year, lasting between 4.5 and 6 months. For now, the itinerary looks like this: South Korea (2 weeks) -> Japan (1 month) -> New Zealand (1 month) -> Argentina (1 month) -> United States (1 month).
I’m on medication (paroxetine 20 mg/day) and was hoping to bring enough for the entire trip so I wouldn’t have to find a doctor on the spot, deal with a molecule that might be slightly different from what’s available in France, or wonder if that’s even a possibility. Basically, it seemed simpler on paper...
But after looking into the regulations for each country, it’s suddenly way less simple . Many seem to only allow the amount corresponding to the length of your "stay" in the country... Which is a problem if I arrive in Korea with 4.5 months’ worth of medication, for example.
After all that, and even though I’ll obviously contact the relevant authorities in each country (fingers crossed for a response 😛), here’s my question:
Has anyone here had any experience with this? (Even if it’s a different medication or different countries, any input would be helpful!)
I’m trying to plan a trip to Dubai with my mom. I’ve seen that some of our medications require prior authorization (sleeping pills, codeine, anti-anxiety meds, etc.).
I’d love to hear from anyone who’s been in our situation. A friend of mine applied to bring her tramadol, but it was denied—though she needed high doses!
Has anyone here gone through this process? Do we *really* need a prescription in English?
We just found out my wife is pregnant, and we’ve planned a trip to the Barlavento Islands in Cape Verde this November.
We’d like to know if there’s a real risk of Zika contamination on those islands, because from what we’ve found online, the recorded cases are old and come from the Sotavento Islands.
We’re thinking about canceling our trip.
If you’ve recently traveled to Cape Verde or live there, do you have any thoughts on this?
hi, I’m looking for information about the possibility of returning to Thailand with a portable liquid oxygen system and whether it’s possible to recharge it in Thailand, especially in Chiang Mai. thanks
I’m starting a new discussion on this topic since there doesn’t seem to be a recent one.
I have several chronic conditions (including asthma and related ones), and I’m planning to travel for a year across different countries.
Generally, I understand it’s possible to travel with approved medications (which should be my case), but often with a limit of 3 months’ worth of treatment.
Since I’m going for 12 months, that means for three-quarters of my trip, I’d have more than 3 months’ worth of medication.
I plan to bring my prescriptions with the INN (International Nonproprietary Name), as well as the original packaging (even though it’s a nightmare, but from what I understand, it’s necessary). But I’m not sure if that’s enough...
Have any of you been in this situation before? How does it work at customs—do I need to declare everything that exceeds the 3-month limit? Do I need a letter from my doctors?
I'm currently in Bangkok: How can I find a good doctor for a consultation? It's for a friend who'd like a second medical opinion compared to what they got in their country of residence.
Any professionals you'd recommend? How much does it cost?
I’ve already visited quite a few countries across several continents, but I’m pretty new to Asia.
I’m planning a trip to Thailand in October or November, and I wanted to check about health precautions: malaria treatment, vaccinations (hepatitis A or others...).
I’ll mostly be in the northern region, around Chiang Mai, where I’ll spend a lot of time in nature and the mountains. Then I’ll head south to Phuket or Krabi and visit Khao Sok National Park. I’ll finish up in Bangkok, with a likely detour to Kanchanaburi.
From what I understand, for a stay of less than 60 days, I don’t need a visa (I’m a French national)? I just need to fill out the TDAC form 3 to 5 days before arrival?
Hi there,
I was wondering if anyone is heading to Cuba soon and could bring me some over-the-counter Sildenafil (viagra) tablets—available at Varadero Airport, among other places.
Hi there! So, I'm hesitating about taking a long trip. I'd like to go away for 2 to 3 months and travel across several continents. I’d love some advice. I often have unexplained allergies and need to follow a daily treatment for my diabetes (insulin). I think I can get authorization from my doctor to travel for 6 months with the treatment—is that correct? After those 6 months, is it possible (instead of bothering a relative to send the medication) to see a foreign doctor to get another 6-month travel authorization? How does it work at the airport? Do I need just one medication transport authorization, or do I have to request a new one in each country (once the treatment runs out) for both the flight and a DCI? Also, travel insurance doesn’t cover chronic illnesses, so will I have to pay for foreign consultations out of pocket? I’m not sure if I explained myself clearly. Oh, and just to repeat—travel insurance doesn’t cover chronic illnesses, so foreign consultations will be at my own expense? Thanks in advance for your help!
Hi everyone.
After years of traveling to the USA without any medical insurance subscriptions—and luckily never having any major health issues (though I did get a scorpion sting buried in the sand at CBSouth, 😇)—life has caught up with us, and we’re now being forced into "wisdom" and leaving our carefree days behind.
So, I’m looking for the best compromise for a 2-month health insurance plan.
I’ve read the discussions on this topic, but the most recent one is from last year, and I’d love your take on the current situation.
I’m familiar with the usual options like Europ Assistance and AXA, but I’ve just discovered Chapka and Heymondo (the latter seems interesting in terms of both price and coverage).
What do you think of these last two? How do they compare in terms of value for money against the bigger companies?
Hi,
We’ve planned a 3-week trip to Bali this summer with our 7-year-old daughter. The itinerary includes Sanur, Nusa Lembongan, Sidemen, Amed, and Ubud. The more time passes, the more we read about people getting sick—some with mild to severe traveler’s diarrhea, and many ending up in the hospital. We, as parents, have been through it in Egypt with pretty bad cases, but we’d really like to avoid that for our daughter. Even though there’s no zero risk, and we’ll be careful, can any of you reassure me? Not everyone got sick, right? I’d love to hear positive feedback from parents, but not just them 😊. Thanks in advance!
Hi there...
I’m traveling with a friend for a month in November.
We booked our round-trip tickets from Paris to Phnom Penh, and yes, I know—it was a mistake. We should’ve flown out of Laos, but here we are.
But is it doable to backpack through both countries in a relaxed way?
I’ve seen that the transport takes a while...
Thanks so much for your replies.
Hi there,
I’ve started looking into getting dental implants, possibly in Costa Rica or Mexico.
Do you have any clinics to recommend or ones I should avoid?
For the next steps, I need to choose between Cuba Medika or Medigo—these are agencies that help with medical procedures. Do you have any info on either of them?
Hi everyone, a question for those who’ve been lucky enough to visit Raja Ampat—should you consider preventive malaria treatment given its proximity to Papua? And how was the food hygiene situation?
Thanks for your feedback! !
For several years now, increased aggression has been observed in Cape fur seals.
At least 70 unprovoked attacks on humans.
It was recently confirmed that this is due to rabies.
The suspected origin is contamination in Namibia by jackals.
The contagion seems to be spreading.
Preventive vaccination (of the animals) is being considered.
Just a reminder:
Rabies affects all mammals.
Once symptoms appear—sometimes weeks or even months later—death is inevitable.
It’s the bite that transmits the disease.
There are so-called "furious" forms with aggression, but also forms without aggression.
In case of a bite, in addition to standard wound care, tetanus prevention… rabies prevention is essential.
Stay careful out there…
Seeing seals from a boat along the coast isn’t rare in these parts…
I need 2 dental implants and I'd like to get them done abroad (it's a question of price).
Thanks for helping me with my search (Turkey, Spain, Romania???)
Can you tell me if you're satisfied with the services provided by Dentist Miguel at Club Amigo in Holguin? I'd like to go there in mid-December. Is it worth the trip to get dental prosthetics done?
Thanks for getting back to me... Michelle from Quebec
Hello,
I’m looking for a dentist who can do a full lower-arch implant with a complete prosthesis. I’m in Quebec and available to travel to Cuba. Need full contact details. Thanks everyone!
My current plan is to get my teeth treated in Cuba, especially for dental implants.
Has anyone here had experience and could refer me to a good, affordable dentist?
I’d really appreciate it if you could give me an idea of the price for one implant, since I need at least 6 done.
Thanks so much!
