Health Insurance For Full Time Travelers
If you’re thinking of traveling full time, especially independently of a full time corporate job, health insurance is no doubt on your mind. It was one of the things that kept me from quitting my job for years. My logic continuously convinced me it was impossible to get, or pay for, without that corporate job. As my paycheck deductible for health insurance began increasing more quickly than my salary, I began to have second thoughts. It turns out, there’s more than one way to get health insurance! So, if this is something on your mind as you contemplate whether to become a full time traveler, here are some thoughts.
You Don’t Have To Have A Corporate Job To Get Health Insurance
It turns out, there’s more than one way to get health insurance, and not having a corporate job does not mean you have to have “bad” health insurance, either. Here are a couple of paths to start your research.
Many associations, like Freelance.org, offer a reduced, group rate for health insurance for their members. So, you could join an association and benefit from this discount. Clearly, do your research before joining to be sure they have a plan and a cost that make you happy. These plans are usually best for someone planning to travel domestically in the USA, as opposed to in and out of the country.
Another route is to get an insurance broker. You can Google one who is local to where you live and they can help you explore what are commonly called expat insurance plans. If you’re traveling internationally, this is what you’ll want to get. When I was marooned in New Zealand for two years during the pandemic, my expat insurance covered my doctor visits and dental cleanings. These plans typically cover you for your travel overseas, and do not cover you as much in your country of nationality. Of course, because, if you’re an expat, you aren’t expected to be in your country of nationality.
Is It Worth Investing In Health Insurance?
That’s a question only you can answer, but let me tell you about a recent scenario that sure made me glad to have my health insurance.
I had just arrived in France. A few days in, I unexpectedly began having bad asthma. That’s when I discovered I forgot to bring my asthma medication with me. There’s no way to get it in France without a prescription. As a tourist, it’s very hard to get a same day doctor appointment. That’s when I reached out to my insurance company to see if they could help. Within two hours, they emailed me a prescription that was filled by a French pharmacy, in a tiny town in Normandy, immediately. I hope you never need the insurance, but, if you do, it’s a huge relief, and potential life saver, to have it.
Most of what’s keeping you from what you want – full-time travel, a new business idea, a radical career shift – are your excuses. After one session with Heather, you’ll understand which excuses are holding you back the most, how to get them out of the way, and you’ll leave with an action plan that helps you set the foundation to pivot into the life you want.
You know you don’t like your job, but you can’t figure out how to survive without it. Designed for frustrated professionals the program focuses on teaching you the key steps to shifting your work and money mindsets, and giving you the money and work strategies to pursue, leaving you empowered to quit with confidence and see that it really is possible to live happily without a stable job.
Whether traveling full time was your dream before the pandemic, or after, this session will help you understand how to prepare, what you need to know, and how to get your finances in order to make it happen. It’s the perfect accompaniment to the “How To Afford The Travel Life” eBook. You’ll also get an understanding of both what’s great about full-time travel and some of the challenges. You can also discuss planning help, and how to get the most out of your experience.
It’s always been essential to understand your money, but if you’ve lost your job due to the pandemic, now it’s even more important that you create financial empowerment. In this session, Heather will work with you to first understand your gaps in managing your money, then she’ll help you with the framework on how to ensure you can afford the life you dream of. You’ll get tips to save and budget, and also discuss ways to earn money that will shift you out of feeling like a victim of the times, to seeing the opportunities in front of you to begin making money in a different way.
You want to quit and travel full time, but when can you go? This eBook gives you all the formulas you need to calculate when you can quit and afford the travel lifestyle you want, in under and hour.
Thanks to the pandemic, we’ve all had a chance to ask the question, “what now?” If you’ve decided it’s time to quit your 9-to-5 to travel full time (or take it with you while you live nomadically), this program will help you address the core mindset, money, and planning gaps you have. This is the program that will help you acknowledge and overcome your fears about what’s next, figure out how to afford and sustain your travels, and feel confident about planning your adventure. Book your free session to see if you’re a fit!
You’re finally serious about traveling full time, but you cannot figure out how you’ll afford it. Or, you’re just curious whether it’s really even possible to afford the lifestyle. Bootcamp is for you! We’ll go dive deep into savings strategies before you go, how to save on the road, and how to sustain your travels, as well as look at lots of work opportunities if you want to work while you travel! Includes a 3-day build your budget challenge to get you thinking about how to replace dreams with real logical steps to make it happen.
You’ve dreamed about traveling full time for as long as you can remember, and now you’ve learned that it’s a little more challenging than you thought. Get help getting through the initial shock and changes when you realize you’re not on vacation. Learn how to manage those experiences where you meet parts of yourself long forgotten, and create a plan to help you have the best experience with your journey.
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If you want to see every post I’ve written, starting with the most recent, this is the place to start!
If you need some tips on getting started, traveling safe, and saving money while traveling full time, go here!
I’ve been traveling the globe solo, and many of my posts share thoughts and resources specifically for other solo travelers. If you’re a fellow solo traveler, or you’re thinking about solo travel, this is a collection you will find of interest.
If you’re looking to read blog posts about specific destinations, click the country of your interest below to go to it’s blog page and get country-specific reviews and thoughts.
Sometimes I write posts where I give insider information on certain cities I’ve visited, which may be more along the lines of places to go, how to save money, etc. If that’s your main interest, check out this compilation of posts.
In 2020, I was traveling in New Zealand as the coronavirus pandemic brewed, and, got stuck there. If you want to read about what this time was like and traveling during this time, check out this page.
At the heart of international travel is learning about the many different cultures and ways of being around the world. The posts compiled on this page speak, specifically, about the cultural observations I’ve had.
Many of my blog posts are about things I’ve discovered about myself or about being, while I’ve traveled. If you’d like to focus on posts that only have self-discovery themes, click the button below.