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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 Plan

My 3 Books
I write, self publish and sell books about touring

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Places I have been
(
How can I afford this?)

India and Neighbors
May 2010 to present

Alaska / Canada / USA
May 2008 to April 2010

New Zealand
Sept 2007 to May 2008

Australia
Sept 2006 to Sept 2007

SE Asia / China
Nov 2004 to Sept 2006

South America
June 2003 to June 2004

AZ, Mexico, and Central America
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


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Equipment Pages Index

Introduction
How Much to Bring and Weight
Some Advice About Advice
A Note to Perspective Sponsors and Gear Suppliers
(See more about Sponsorship)

START HERE for Touring Bikes and Commuting Bicycles
Custom Touring Bicycles and Bike Upgrade Buyers Guide
Bicycle Touring Frames 
The Steel Repair Myth.
Steel 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
Bike Computer
Touring Handlebars, Bar Ends, Adjustable Stems, and Padded Grips.
Kickstands
Sealed Cartridge Headsets

How to prevent flat tires
Bike Route Trails and Maps

Camping
Buying Camping Equipment
Tent and Ground Cloth
Sleeping Bag
Sleeping Pad
Camp Stove
Pots and Pans
Water Filter
First Aide Kits
Solar Power for Camp

Clothing
Bike Touring Shorts

Electrical
Short-wave Radio
Computer
Internet
mp3
Bicycle touring lights

Books
Packing list
Pictures of Equipment Failures
Shopping


See My Videos Here



(see all 3 book)

Health Insurance for Overseas International Travel, Bicycle Touring and Living Overseas

Sponsors - Economizing/The Fugal Traveler - Stealth/Free CampingBudgeting - 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

International 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 hassle.

 My 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:

- Be sure to examine the details of any insurance plan that you consider.
- 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 paid?
- 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 covered?

 (see my finance pages)

What Kind of Health Problems have you Experienced Overseas While Traveling?


How Do you Finance Such a Long Trip?


Retiring from many years of travel and bicycle touring


More Videos below

More videos about finances here

All of my videos here

 

(see my finance pages)

 

 

Sponsors - Economizing/The Fugal Traveler - Stealth/Free CampingBudgeting - 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

 

 

 

 

 

 

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Bicycle Touring
Tips & Advice

- Bike Stuff
- Camping

Touring Bicycles
Panniers
Racks
Saddles
Tires
Lights

Fenders
Tools and Spares

Tents
Sleeping Bags
Camping Mattress
Camp Stove
Water Filter
Pots and Pans
First Aide Kits
Solar Power
Bike Maps
Preventing Flat Tires

Bike Computer
Cargo Trailers
Kick Stands
Pedals
Handelbars/Grips
Headsets
Commuting Bikes

Camp Shower/Toiletry Bag

Lights

Helmet
Bike Shoes
Bike Touring Shorts

Stealth/Free Camp

What I Have Learned On The Road

Dreaming of Endless Travel

Injustice of Poverty

Much MORE Gear Here!

Sponsors (how?)


Cycle Touring Racks

Tents and ground cloths
Sleeping Bags
Camping Mattress Pads


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