You probably know the situation over here in that if you are a full member of the CTC- or a club that is affiliated to it- You get insurance. Not certain what it does cover but You are insured.
So come back to the UK- sounds as though it is easier- unless the US has a similar scheme in operation. But I nearly got to the US last year. I had coverage through the CTC for world wide riding at a nominal fee.
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How long was I in the army? Five foot seven.
Spike Milligan