The story of how I saved money, quit my job, sold my possessions,
and set off to endlessly travel by bike around the world.
My 3 Books
I write, self publish and sell
books about touring
Where am I?
Photo Use Info
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Continue My Travels
Places I have been
(How can I
India and Neighbors
May 2010 to present
/ Canada / USA
May 2008 to April 2010
Sept 2007 to May 2008
Sept 2006 to Sept 2007
SE Asia / China
Nov 2004 to Sept 2006
June 2003 to June 2004
AZ, Mexico, and
March 2002 to April 2003
How I started
The 5 years before I left
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Written on the road as I travel around the world on my bicycle
Support this Web Site and Continue My Travels.
Equipment Pages Index
How Much to Bring and Weight
Advice About Advice
A Note to Perspective Sponsors and Gear Suppliers
more about Sponsorship)
HERE for Touring Bikes and Commuting Bicycles
Custom Touring Bicycles and Bike Upgrade Buyers Guide
Bicycle Touring Frames
Steel Repair Myth.
and Aluminum Derailleur Hanger Repair.
Bicycle Touring Wheels
Phil Wood: The Best Bicycle Hubs
Panniers / Bike Bags
Cargo Trailers Vs Panniers
Tires for Bike Tours..
Bicycle Touring Saddles.
Women's Specific Bike Touring Saddles
Brooks Leather Touring Bicycle Saddle Care and Conditioning
Touring Handlebars, Bar Ends, Adjustable Stems, and Padded Grips.
Sealed Cartridge Headsets
How to prevent flat tires
Bike Route Trails and Maps
Buying Camping Equipment
Tent and Ground
Pots and Pans
Solar Power for Camp
Bike Touring Shorts
Bicycle touring lights
Pictures of Equipment Failures
all 3 book)
travel health insurance has been one of the most difficult things for me
to figure out while on my overseas bicycle tour. When I quit my job in
2002, I had employer sponsored health insurance, as is typical in the
USA. I could
have continued my health insurance coverage for 18 months under COBRA for a
whopping US$300 (and that was back in 2002) a month but that would
have destroyed my budget. I elected to travel without health insurance. A year later, I was still trying to figure out what to do. Through
internet research, I came across overseas health insurance that would cover
me while traveling abroad (outside the USA). It was basic
catastrophic health insurance with a high deductible. However, the premium increased from $400 a year in 2003 to $1500 a year in 2008. The
only claim I made was for a check up I had done in Bangkok, Thailand.
In 2008, I planned to
stay in the USA for an extended period of time and wanted to have health
coverage there. Again, the hunt was on for health insurance
coverage for the small business I had started over the last few years. Now I
was looking for insurance that would cover me in the USA and abroad. I
didn’t want to switch health insurance companies again because of the
requirements for health insurance:
Coverage in and out of the USA
High deductible so my monthly premium
would be low
Provider network throughout the USA so I
would be covered in all the states (the cost of health care is
substantially cheaper in a provider network) but with the option
of going to a doctor outside the network.
Affordable monthly premiums
A few tips and
considerations when looking for travel health insurance:
to examine the details of any insurance plan that
||Pay attention to
exclusions for "dangerous" sports. Bungee jumping and sky-diving are
frequently not covered. Make sure cycling isn't hiding in the list of
exclusions as well.
||What are the
deductibles? Could you cover the initial cost out-of-pocket?
||Are you covered
anywhere or only at specific doctors/hospitals?
||Are claims paid
directly to the doctor/hospital or reimbursed after you have already
||Do they provide
referrals to English speaking doctors?
||Check to see if medical
evacuations are covered when traveling abroad. If something serious comes
up and you need to be flown back to your home country, will you be
my finance pages)
More Videos below
videos about finances here
All of my videos here
Traveler - Stealth/Free
Camping - Budgeting -
Charity or Cause
- Receiving Donations - Health Insurance
Dreaming of Travel -
Leaving It All Behind -
Videos About bike tour Finances -
How I pay for long term bicycle touring main finance page
Tips & Advice
Tools and Spares
Pots and Pans
Preventing Flat Tires
Bike Touring Shorts
Have Learned On The Road
Injustice of Poverty
Much MORE Gear Here!
Cycle Touring Racks
Tents and ground