Oh ok I understand, sort of. I can understand that concern.
In Australia it does not work that way at all, and I can't imagine the States being that different in such a respect.. then again, your medical system is pretty crazy compared to ours so maybe it's along those lines.
Here, you purchase a policy that becomes valid from the day you buy it (eg if you hurt yourself and cant travel, tour or flight is cancelled) and finishes the day you get back. The cost of the policy is calcuated according to how long you will be away for, and that's it. Travel insurance also includes medical.
I'm going to Africa soon, and have the most comprehensive cover available. We have year long plans too but mine expired when I was home for a little while. Africa and the States are the most expensive to purchase for). It cost me just 285 AU (thats 236 US) for 3.5 weeks.
It covers me for everything you can think of like
- Unlimited medical
- 3,000,000 AU personal indemnity insurance in case I get myself on the wrong side of the law, lol
- Lost baggage, cancelled flights, an amount of cash, etc etc etc.
Do you have a similar system?
Hate to freak you out, but last time I was in Russia I saw a racially motivated beating on a black guy.