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"I self-insure" shows up constantly in nomad forums, usually from people who've never had a claim. Self-insuring is a real strategy. What most people are doing isn't that—it's just hoping nothing happens.

You bought the evacuation membership. You assumed it travels with you. It doesn't — and the line it won't cross is drawn by the State Department, not by actual danger.

Medicare decisions are confusing enough when you live in one place. When you've left the US and have no intention of going back full-time, the choices get weirder. Here's my full stack — what I chose, what I rejected, and where I'm still uncertain.

If the insurance application didn't ask about your health history, the insurer is reserving the right to deny your claim later. Here's exactly how that trap is set — and how to spot a policy that actually covers you.

Some membership organizations include real travel insurance buried in their benefits. Here's how to find coverage you didn't know you'd already paid for — and what the fine print actually says.

Your friend dies in your Airbnb. Her family sues. You have no renter's insurance. What nomads forget when they drop their homeowner's policy — and why the liability exposure abroad is bigger, not smaller.

A helicopter evacuation from Everest base camp can cost $10,000 before breakfast. Most trekkers have travel insurance that won't cover it. Here's what the policy actually needs to say.