something that isn’t considered on the average vacation, but is a definite point of concern for the duration traveler is insurance. To be specific, medical insurance.
I can understand if this isn’t something that comes to mind when I say lets go travel the world. As most people never leave their natural surroundings for long enough to make companies waver policies or get serious medical issues while at the beach. For the standards 2 week crew, this actually isn’t a major topic. Most policies, if they cover whatever you are actually doing on vacation, will cover your vacation issues. Worst case, you get sent home for treatment. However, if you plan on traveling for an extended time or ex-patrioting for work, independent medical insurance is an issue that you will need to consider.
I have been carrying independent diving insurance for over a decade now. Diving has inherent risks, especially in unknown waters. Independent medical diving insurance is a must for the traveling diver. Personally, I use DAN – Divers Alert Network – for my policy. They have also covered medical insurance for other non-conventional travel experiences I have undertaken. (Think Running with the Bulls)
For the traveler that currently has an internationally recognized carrier, new insurance won’t be a major stumbling block. Both Cigna and Blur Cross Blue Shield offer international policies. Aetna also offers an international policy. Now, these policies will have pronounced restrictions, specified deductibles, and steeper premiums than the ones you get their your employer, but hey — you’re a traveler now.
If you are quitting your current employer, have one of the inexpensive Obamacare options, or are covered by a regional coverage group, there is a very good chance that your insurance without transition out of the country with your traveling. Fear not! Okay, maybe fear just a little, but don’t get crazy. All the above mentioned carriers, as near as I could tell, also take on new individuals. Also, the traveler standard places like MEDEX , Allianz Worldwide Care, and Healthcare International are places to shop for a medical insurance policy that might fit your needs. Another thought would also be AIG – Travel Guard.
All carrier have different coverage and different fee schedules. It pays to shop a couple and see where you can get better service for your money. But I would suggest that you think about this rationally. You do NOT want to try and argue your way through a crappy insurance policy in some far-flung land where you don’t speak the language. At least, I don’t won’t to. Maybe you like s challenge?
Like I said, if you’re part of the two week crowd this probably isn’t a major point of concern. If you choose to pick up your pack and travel the globe it might be something to think seriously about. Something as simple as getting Pharohs Revenge because you drank the water in Cairo can quickly turn nasty. (I had it, it’s not joking matter.)
Anyway, something more to consider. Face it, we’re not 20 anymore. Now, go on! Get out there!