Gunnar Sport, Surly Pacer, Access MTB, Ibex Corrida, one day a Simple City
Long term travel insurance policy for USA resident?
I've been doing some online research about travel insurance. I'm considering hitting the road on an open-ended USA tour, and I think purchasing a travel insurance policy would be a good idea. However, it seems like most of the insurers are either overseas or are more concerned with reimbursement for hotel deposits and plane tickets.
I would need a policy that basically provided medical coverage, and covered bike/gear theft or loss(I have a feeling the latter is going to be difficult or impossible to find).
Contact them and grill them on the plans they offer, and how they would apply to your situation.
If you want health insurance, then yeah, you really ought to get health insurance. You're not going to get a better deal on medical coverage just because you're buying a travel insurance plan.
I don't think it's worth insuring a bicycle; theft is rare, and a replacement shouldn't cost that much anyway. If you're paranoid about your gear, you may want to get a trailer, put everything into a single bag, and carry the bag with you when you go into restaurants.
For medical insurance, look for a "major medical" policy only, which tend to be pretty reasonable and are usually available for up to 12 months +/-. They only cover catastrophic sort of things, like ER visits and the like.
Many renter's insurance policies can be continued for a period without having a physical residence. Usually they will pay a percentage of the overall coverage for things outside a residence. So, for example, if you have $100k worth of coverage, that might equate with $10-15k of coverage outside the residence. If you currently have a house or apartment, you might consider signing up for that insurance now before you move.
We used both these options in the past when we did long-term travel (by car). The renter's insurance also covered stuff we had in storage.