Hi there, A friend has osteoarthritis in the knee and a meniscus problem, treated with regular injections. Do you know of any insurance companies that cover pre-existing conditions in case their knee locks up in Africa? Thanks a bunch!

Hello,

To read:

📋 Yes, travel insurance is now mandatory in the ETA application. Since October 6, 2026, the official Kenyan ETA portal directly includes a step to subscribe to mandatory government travel insurance for travelers required to obtain an ETA, even if you already have your own medical and repatriation insurance. This insurance adds an official extra cost of $44 plus payment fees of $8, totaling $52 on top of the ETA. The ETA application cannot be completed without paying for this insurance on the portal.

In the end, Kenya followed the Tanzanian "model".....!!

One more piece of good news.... Regards.

Puma2A

Hi there, we’re planning an Adriatic cruise in September 2025 on CFC’s Renaissance ship—we’ve already sailed with them four times. For this new cruise, when entering passenger details, we’re asked to check the box “I have taken out insurance,” which is the first time this has been required. For recent sailings on the CFC Renaissance, did they ask you for an insurance certificate? Thanks

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?

Thanks in advance, everyone.

Hi there. First, please excuse the dry nature of my post—I’m going to talk about insurance and credit cards!

I’m renting a car in Bulgaria using my "Gold Mastercard." I know the benefits, and in this case, I don’t need to take out additional insurance from the rental company.

However, the assistance booklet states: "The insurer cannot, under any circumstances, reimburse the insured for the amount of the CDW (Collision Damage Waiver) or LDW (Loss Damage Waiver) insurance paid to the rental company if the insured forgot to decline it or if it’s automatically included in a package the insured accepted."

The issue is that when I look at different rental companies, it’s often specified that "insurance is included" (non-declinable because it’s part of the package), and I’m worried there might be some minimal CDW or LDW coverage that would prevent my Gold Mastercard coverage from applying if needed.

Since it’s difficult to contact or communicate with rental companies (most bookings are made online) and Mastercard’s responses are pretty vague, I’m turning to you all for help.

Here are my questions: - How can I be sure the rental company’s insurance doesn’t include CDW or LDW? - Do you know of any rental companies where this is clearly stated? - Does Gold Mastercard coverage work with local agencies? - Is it possible for a rental company to refuse Gold Mastercard coverage?

I assume travelers who can answer have already had this experience.

Thanks in advance for your help.

For 4 years now, my husband has been on ALD; no one will insure him. We’re supposed to leave for Bali in May, and I’ll have to cancel the trip because of this insurance issue. His ALD is cancer. Just like with trip cancellation insurance, it’s not valid if it’s for his health reasons—health issues are considered foreseeable, so they won’t reimburse you. Big problems with Carrefour travel agency.

Thanks for your help—I’m at a loss. Best,

Hi,

I read on another forum that there might be an issue with insurance for our vehicles in the Faroe Islands.

Apparently, we wouldn’t be covered once we disembark from the ferry. From what I understand, the DK on our green card no longer applies to the Faroe Islands.

Could anyone confirm this?

Thanks

Hi there, Do you know of any good travel insurance? Usually, I go with the one from the agency. But this time, I want to travel independently, and I'm a bit lost.

Some people told me that when you pay with a credit card, you get the bank's insurance. But after checking with the bank, that's not true. Or else, you have to add an extra option and pay for it monthly.

So, I'm looking for insurance that covers cancellation, repatriation, lost luggage, etc. Thanks for your tips!

Hi,

We’ll be in Nepal from November 1st to 12th, 2026. We paid for our flight tickets with a Visa Premier card. Is it worth getting additional insurance? And if so, which one would you recommend? Thanks, Guylaine

hi Do you know of any travel insurance for someone with a pre-existing condition? Can a person who’s had a heart attack and is on medication get travel insurance? Thanks

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 there. I’m reaching out to ask for your advice about travel insurance for my trip.

I bought Eurostar tickets back in January, but I forgot to take out travel insurance right away.

I’d like to get multi-risk travel insurance now, but most insurers say you have to sign up within 48 to 72 hours after buying your transport tickets.

Do you know of any insurance that doesn’t have this deadline and lets you sign up even months after buying your tickets?

Thanks so much for your help in advance.

Best regards

Hi there,

We’re planning a 4x4 trip from Belgium to Central Asia, passing through Georgia, Russia, Uzbekistan, Kazakhstan, and Kyrgyzstan.

For these countries, our national insurance obviously doesn’t cover the vehicle, so we’ll need to get local insurance.

Will it be a problem if the vehicle is registered under person A and the national insurance is under person B? Both A and B will be in the vehicle, and both will be listed as drivers on the insurance.

When we get the local insurance, if we again list A and B as drivers, does the order matter? Could we get stuck at the border for this reason?

Thanks for your help! :)

Hi there,

I’m planning a trip to Cuba this summer and I’d love some info: Is travel insurance really necessary? Can you easily get online by buying a local SIM card or internet card? Apparently, there’s only one currency now—is it better to exchange money with your *casa particular* host? Thanks for all these valuable tips!

Hi there, Do I need a return ticket? Proof of insurance and a hotel reservation?? I’m French. Also, is there any control on meds and sleeping pills?? Thanks a bunch!

Hi everyone!

Quick message for the visa experts!

I was planning to enter Thailand with an OA visa applied for from France. This one requires mandatory insurance, in short, it’s a bit "restrictive."

I was wondering if you see any issues with this "setup": 1- Enter with a Non-Immigrant O visa (valid for 90 days) applied for from France (relatively easy to obtain) 2- Apply for an extension with multiple entries for one year before the 90 days expire (Extension of Stay Based on Retirement) That way, I don’t have to provide "visa-compliant" health insurance (I’ll get one separately, don’t worry! :)) 3- Renew the extension year after year.

Constraints: - File a presence declaration every 90 days - Don’t forget to request the "multiple re-entry permit" for 3,800 THB - Open a Thai bank account upon arrival + transfer the 800,000 THB

Side question: Can you open a Thai bank account with an O visa, specifically to make the required funds deposit for the extension?

Thanks in advance for your feedback! Olivier

Hi there,

Seen in various media outlets, a new tax on flight tickets was introduced on Nov. 1 by the Tanzanian government. A tax related to security... !!!??

Amount: around $90 per round-trip flight ticket.....

...

Hi, I’m heading to Cancun next January and I’m looking for a rental car. I’m overwhelmed by all these cheap offers from sites like Booking, Carigami, and others... Some reviews mention extra insurance fees that had to be paid on the spot. I’d love to hear about your experiences—what company did you use? Were you charged any additional costs? A lot of ads redirect to Touracancun, but they don’t seem trustworthy to me. Thanks for your feedback!

Hi everyone.

I’ve been wondering: Is it still reasonable to rent a car in the U.S.?

Apparently, since early January 2025—and very quietly—the most important insurance coverage, namely the driver’s civil liability, has seen its coverage amount drop from $1 million to just $300,000. This coverage is supposed to protect us from damages we might be responsible for while driving. We can go decades without a single scrape (especially if it’s our fault), but anything can happen in a split second. A motorcycle appearing out of nowhere, a misjudgment at one of those huge intersections with staggered traffic lights, and suddenly we could be deemed at fault for the accident. We’d then have to pay out of pocket for the other party’s medical expenses. Given what hospitals charge... it can easily exceed $300,000 and turn into a nightmare in no time!!! Plus, anyone who’s driven on American roads has seen those billboards for lawyers offering their services to accident victims. So on top of the sky-high medical bill, the lawyer will demand compensation worthy of a Hollywood movie!!!! So, is it even worth getting behind the wheel in America anymore? Well... that’s just my take! And on top of that, I haven’t found any insurance company that offers such high civil liability coverage. Chapka and others do offer coverage in the millions, but motor vehicles are excluded.... So here’s the thing... Unless I’ve "missed something," I’ve come to this conclusion: Renting a car in the U.S. is like playing Russian roulette! But maybe I’m being too pessimistic? What do you think?

Hi everyone, My question is simple. Do you need an international driver's permit in Thailand to ride a basic scooter?

Hi there, we’re planning our trip to the North Cape this summer. We bought a new vehicle for it. Unfortunately, the registration document is still being processed, and the delay seems long—I don’t think I’ll have it in time for our departure... I have the transfer documents, insurance in my name, and all the supporting paperwork, but not the registration document. So my question is: does the ferry company require the registration document *mandatorily* when boarding in Denmark or not? Thanks for any insights...

Hi there. We’re leaving for Sri Lanka in just a few days for three weeks. After some thought, we’ve decided to rent a car with a driver.

I’m a bit overwhelmed by all the ads, and I’m feeling a little lost about booking confidently from France... Especially since I’m more used to going through big international rental companies. What worries me most is the insurance and the quality/safety of the car—more than the languages spoken or how friendly the driver is.

Do any of you have experiences to share to help me out, please? Thanks in advance! 😊

Hi, I went to submit my visa application to visit my partner’s family. We’re religiously married in France. I provided an accommodation certificate, pay slips, travel insurance, and a document stating we’re religiously married—signed, etc. I want to travel with my partner’s son, who has both Algerian and French passports and is a minor. So, I told them he lives with us. Since his father has custody, they didn’t charge me anything and said they’d call me back because my file is going to a committee. I also told them I needed to leave by July 15th. This is the Lille consulate—has this ever happened to any of you?,

Hi everyone!

I just got notified of a short-stay visa refusal for Greece, with the reason being that the purpose and conditions of my stay weren’t sufficiently justified. Yet I included in my application an explanatory letter, paid round-trip flight and hotel reservations, a paid ticket for my visits, and travel insurance—all matching the duration of my stay. I’m really puzzled by this decision and feel it’s unfair. Could anyone here shed some light on what might have gone wrong?

Thanks in advance!

Best regards,

Following my first trip from May 1st to 11th, 2025: -Flight: easyJet Geneva-Olbia 11:50 AM-1:20 PM (306 € for 2) + 102 € for checked baggage (408 € total) -Flight: easyJet Cagliari-Geneva 12:45 PM-2:25 PM (308 € for 2) -Car rental: Olbia-Cagliari (rental: 338.31 € + 120 € for one-way drop-off) + 320 € mandatory insurance imposed by Centauro) 778.31 € total

*May 1st: ***OLBIA: arrived at the airport at 3:15 PM: 1-hour delay with EasyJet! 😕 Car rental issue** Big scam with B Rent (hard to find their counter because of poor signage—they demanded an extra 320 €! But after 5.5 hours, Centauro also charged 320 € for insurance!!!) On top of that, we only got the car at 6:30 PM. Due to the delay, we went straight to our accommodation after grocery shopping. -Bandi House via Mastru Giogliu, San Teodoro 0039 338 852 8569 70 € (very nice apartment, spacious, great welcome from Paola but hard to find) -Nearby: San Teodoro: stagno (birds) Lonely Planet p.159

*May 2nd: -Heading to Isola Tavolara: boat from San Paolo. It was a holiday weekend, and all the Sardinians plus tourists were heading to the island. Everyone wanted to visit the cave and all the beaches—so crowded we gave up. Plus, we had to wait for the first departure at 11 AM with a return no earlier than 2 PM, and all boats left at the same time, so everyone ended up at the cave simultaneously! GUIDES: Green Guide p.140 and Lonely Planet p.158 -Capo Coda Cavallo: beautiful spot with a stunning beach (reserve) -EAST COAST: Budoni, Posada, La Caletta (port) with many white sand beaches

*Orosei (Green Guide p.102, Lonely Planet p.201) and Galtelli (lovely medieval village) *Dorgali (Green Guide p.96, Lonely Planet p.205): don’t skip Pasticceria Mulas (exceptional pastries at very reasonable prices) -Agriturismo Nennelle in Loculi: great welcome at this fairly new site—a farm with sheep. Large room with private bathroom and outdoor tables/chairs. Small fridge, kettle, and coffee machine. 54 0039 3495343765 €

***May 3rd:*** -Hike to Gola Su Gorropu: magnificent 4-hour trek (Lonely Planet p.205, Green Guide p.96)

-Arbatax: Rocce Rosse: stunning red porphyry rocks at the end of the port (Green Guide p.87, Lonely Planet p.210) -Aer Sana in Arzana: a remote village with a very narrow, picturesque road (there’s actually a second one). Via Don Bosco No. 12. 68.60 € 0039 347 9601599 Great welcome from Bruna/message—decorated with lots of taste and care. One room with private bathroom and a super well-equipped shared kitchen.

***May 4th:*** -Supramonte National Park and Gulf of Orosei (Green Guide p.98, Lonely Planet p.201) -Arzana-Ussassai-Seui-Sadali-Goldoni -Aritzo: small village on a slope—very friendly locals -Antonio Mura Museum: Sardinian expressionist painter -Ethnographic Museum: quite comprehensive -Spanish Prison "Sa Bovida" (prison under Spanish rule where people were imprisoned for witchcraft) -Antico Restauro: Via Umberto 38, Fonni. Small Sardinian house in the village with little light but tastefully decorated. Warm welcome from Mario Loddo. 65.02 €

*May 5th: Gennargentu Massif and Supramonte -Orgosolo: Lonely Planet p.190, Green Guide p.123 -Nuraghe di Tiscali (Green Guide p.122, Lonely Planet p.207): allow over 1 hour of hiking to reach a slope with a cave (good shoes required) -Arrival in Nuoro: large city. Via Salvatore Manniri 39 (0039 33118617847). French expat living in Sardinia—very large, well-designed apartment on the 5th floor. 73 €

*May 6th: -NUORO (Lonely Planet p.186, Green Guide p.112) .Museum of Sardinian writer Grazia Deledda (1871-1936), Nobel Prize in Literature 1927 .Sardinian Ethnographic Museum -Ulassai: Stazione dell’Arte Maria Lai (1919-2013) (Lonely Planet p.212, Green Guide p.85). Major climbing spot in a charming little village -Jerzu: "La Finestra sulla Volla" Via Umberto I 551 0039 3403754751 72 € apartment with 1 bedroom, 1 bathroom, and 1 kitchen

*May 7th: OGLIASTRA: -Jerzu to Tortolì via Barisardo: quite difficult route through narrow streets in various villages! Return to Porto Corallo, Capo Ferrato (Green Guide p.64) -Hotel in San Vito: "Su Furriadroxiu" Via Lamarmora 35/37 0039 3501041432 61.20 € (Green Guide p.65)

*May 8th: -San Vito -Armungia (Green Guide p.65): small village at 566 m with nuraghe and museum + fresco "Homage to the Sassari Brigade" -Goni: cork oak forests and Nuraghe di Pranu Muteddu (60 aligned menhirs and tombs) (Green Guide p.66, Lonely Planet p.197) -San Vito: restaurant "La Capinera" Via Nazionale 80, 09040: very good -From Villasimius to Costa Rei: Lonely Planet p.65, Green Guide p.60 .Punta Molentis: white sand, rocks, but very touristy -Capo Carbonara: military zone, not much to see -Accommodation in Cagliari: Villa Volta 18, Monserrato 0039 3480640592: 74.70 € Well-equipped studio, city center, quiet

*May 9th: -Visit to Cagliari with underground tunnels Regina at the foot of the citadel (elevator) (Lonely Planet p.48, Green Guide p.32) .Castello, prefecture, San Maria church .Charming and picturesque Villanova district -Barumini (Green Guide p.70, Lonely Planet p.90): Nuraghe di Su Nuraxi, 1500 BC with its tower and fortifications—the largest Sardinian site (UNESCO) Entry: 15 € with mandatory guided tour -Parco della Giara di Gesturi (basaltic plateau): great for hiking Presence of the Sardinian pony: small Sardinian horse -Accommodation in Sanluri: 2 Via Giacomo Mozart 0039 3495343765: 80 €

*May 10th: -Beautiful Isola di San Pietro: ferry from Portovesme to Carloforte (round trip) 33.50 € with car (Green Guide p.318, Lonely Planet p.81) 15 km long and 15 km wide .Carloforte: peaceful little town with its palazzi and colorful houses .Tonnara della Punta: former tuna cannery—can be visited by reservation .Capo Sandalo: with its lighthouse (nice little trail to hike) .La Caletta: beaches and cliffs .Punta delle Colonne: 2 trachyte formations—very pretty

-TOTAL: 2432 € for 2 -1400 km by car: 160 € for gas (between 1.60 and 1.76 €/L) -Food, including 2 restaurants: 265 € -Accommodation via Booking: 685 € -Flights: 614 € for 2 -Car: 708.50 € + one-way drop-off: 120 € + mandatory insurance of 320 € (not planned!)

Hi, I was wondering if any of you have dealt with a death. Does the Gold card reimburse the full cost of the trip, please?

Hi everyone,

I’d like to do a 5-month motorcycle road trip from Turkey to Vietnam. To do this, I’d like to buy a used bike locally. Do you know what steps are involved (especially the administrative ones for insurance, registration, etc.)? Are they quick? And do you know any reliable places to buy a used motorcycle?

Thanks in advance for your feedback.

Hi, we’re planning a 15-day road trip in mid-May. We’d like to rent a vehicle with a reliable agency (I’d seen CIZGI, but the reviews are really mixed). Rates with full insurance are around 1000 € or even more…) Do you know of a rental company that won’t rip us off? Thanks for your help. Praline33

Hi everyone, Who’s been to Zanzibar in March? How’s the rain situation, please? And the temperatures? Thanks, Eve13

Hello, My husband and I (retired) are planning to spend a few days in Algeria around Christmas. I know a visa is required and that the application must be made in person (hotel reservation, travel insurance certificate, proof of sufficient funds), and the collection too. A few questions: -Is getting the visa easy or "problematic"? -Any hotel, guide, or points of interest recommendations for Algiers, Oran, Constantine? Thanks in advance for all your answers, and long live Voyage-Forum! Laurence