Insurance

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

Find Your Plan

Travel Medical
Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

International Health Insurance

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel
Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

Show Services

Medical & Travel
Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance
Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

Insurance Administrative
Services

You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

Wanderlust Lifestyle: How This Couple Left Their Jobs to Travel the World

In January 2015, Mirella and Romulo left their jobs, sold their belongings and said their goodbyes to travel the world. Read what it takes to jump into the wanderlust lifestyle.

Nov 14, 2016, 08:00 AM

You may feel it when scrolling through your Instagram and Facebook feeds. When you take a break to daydream on a particularly busy day at work, or go for a walk and wonder what lies beyond your 9-to-5 desk job. When you go on vacation and long for an extension of the perfect, responsibility-free unreality.

It’s wanderlust. And once it’s taken hold of you, it’s nearly impossible to escape it.

For most people, this fantasy of the perfect life — filled with exotic destinations, cultural experiences and reckless spontaneity — is just a dream. It’s a break from the reality of life’s everyday challenges. For others, however, it’s a lifestyle. But don’t be fooled. The wanderlust lifestyle is filled with its own set of challenges.

Take it from Mirella and Romulo, a Brazilian couple in their 30s who have perfected the art of traveling full time. In January 2015, the two left their jobs, sold their belongings and said their goodbyes to travel the world. With backgrounds in business and marketing, they started a project called Travel and Share, and began partnering with brands to use their products and services in exchange for exposure on social media.

When they launched Travel and Share, Mirella and Romulo planned to travel five continents in three years, recording all of their adventures and real-life, unedited experiences through video blogs, pictures and posts. Now, nearly two years into their travels, Mirella and Romulo have visited 23 countries on two continents.

"In our previous jobs we had to travel a lot, but in business travel you only get to see the same things everywhere: hotels and offices," Mirella tells International Medical Group® (IMG®). "We wanted to see the differences in each country, and to get to see that, we would have to stop traveling for business and start traveling for real."

And so began their journey. But it hasn’t been without its fair share of challenges. IMG asked the couple to share their advice and "lessons learned" for other international travelers who are captivated by the wanderlust lifestyle. Here are the tips they shared:

1. Don’t Over-Plan

Of course, there’s a caveat: Some things you have to plan (i.e., tip No. 2). However, planning absolutely every detail of your travels may close the door to other opportunities.

"We don’t over-plan," Mirella says. "We know more or less where we want to be in the short- and medium-term."

When you’re open and willing to adapt your schedule, you may get more out of your travels.

"It’s nice to have an agenda and itinerary, but it’s also important to be flexible. It has already happened to us many times that we liked one place a lot and wanted to stay longer, while other places we didn’t like as much, so we just passed through," Mirella says.

2. Finance Properly

When you decide to travel the world, you often decide to lose a steady income. That’s why it’s important to save money far in advance.

You must consider several costs, including lodging, food, transportation, miscellaneous expenses and the unpredictable accidents that could happen along the way.

"It is very stressful to travel thinking that you can run out of money at any time," Mirella says. "It is best to have your savings and budget planned for the time you have decided to travel."

Mirella and Romulo saved up for five years, planning to spend $1,000 USD per month. They estimated that 60% of their budget would go toward gas for their vehicle, and the remaining balance would be spent on food and other items.

Lodging is a nominal expense for the two, as they rely on Couchsurfing, a Web-based platform that connects travelers to hosts across the globe who open their homes for free. Additionally, Mirella and Romulo keep a tent in their truck in the event they can’t find a host through Couchsurfing.

To get started with your savings, Mirella recommends putting aside 20% of each paycheck for your travels.

3. Protect Your Health & Well-Being

Constant travel can be harsh on your health. In fact, a 2015 study revealed the darker sides of frequent travel, noting the physiological, social, psychological and emotional consequences of "hypermobility," specifically related to frequent business travel.

While the wanderlust lifestyle can be characterized as leisure travel, it does resemble business travel in that frequent mobility is a necessary function of the person’s day-to-day life.

As such, it’s important to keep in mind that traveling full time isn’t always as glamorous as it seems. The research points to a number of factors that can impact your overall health, including:

  • Jet lag
  • Fewer opportunities to exercise
  • Worse eating habits
  • Over-consumption of alcohol
  • "Frequent traveler exhaustion"
  • Disorientation
  • Stress
  • Loneliness and isolation
  • Identity confusion

Although many of these health consequences are hard (if not impossible) to control, there are others that are more easily managed. With regard to exercise, Mirella recommends walking as much as possible instead of driving or taking public transportation.

To ensure you eat healthier, she recommends cooking your own food instead of dining out. Also, keep in mind food and beverage safety when traveling internationally.

The Centers for Disease Control and Prevention (CDC) advises international travelers to steer clear of raw food, street food and "bushmeat" — local wild game not eaten in every country. Hot food, and dry or packaged foods are usually safe. For drinks: When in doubt, bottled or canned drinks are typically safe, but be wary of dishonest vendors who may sell tap water in bottles and use glue to mimic a factory seal, the CDC warns.

On the subject of beverages, avoid drinking too much alcohol during your travels for obvious health reasons. Mirella also adds, "Being hungover is not a nice thing to be while you’re in another country."

She also has some tips to help combat the emotional and psychological challenges you may experience:

  1. Have a purpose on your trip. "After a while, travel can get boring, so if you have a purpose like writing for a blog, learning another language or making a documentary, it can fill a gap when you are tired of just traveling."
  2. Make it a point to meet new people. "In every country we visit, it is really comforting to make friends there. [Plus], we get tips about the country to live like more than just a tourist."
  3. Stay connected with your friends and family back home. "We left our hometowns a long time ago, so we were used to being away from home already, but nowadays it is so easy to use FaceTime and video calls to stay connected; that helps a lot."

Keeping all of this in mind when planning your trip can help protect your health and well-being during your travels.

4. Get Covered

You may think you’ll never need insurance, but even travel pros experience medical emergencies. That’s why Mirella and Romulo rely on travel medical insurance.

"It’s really hard to travel thinking that if something were to happen to our health, we could get in a lot of debt or it could ruin our trip," Mirella says. "Travel [medical] insurance gives us peace of mind."

This type of coverage is specially designed to protect you in the event of an unexpected illness or injury when you’re traveling outside of your country of residence. For Mirella and Romulo, travel medical insurance has come in handy a few times. Here’s one example:

"We were in a hotel in Costa Rica, having tons of fun – until we went out for dinner. Romulo ordered a tuna filet with mashed potatoes, which ended up being spoiled. The result was 12 hours in the bathroom," Mirella says.

After going to a hospital and receiving medication for food poisoning, Romulo still wasn’t feeling well. They called their hotel nurse, but she couldn’t help.

"With my temperature getting higher, we couldn’t wait any longer so we went to another hospital," Romulo says. "When we arrived, the doctor injected medicine into my veins. We had to pay over $1,000, which was way too much for us. We would have never been prepared to spend that much money on medicine, but we could handle this situation because we had travel medical insurance."

Mirella adds, "Travel medical insurance is crucial."

Despite the many challenges that come along with the wanderlust lifestyle, one thing is true for Mirella and Romulo: Preparation has been key — whether it’s purchasing travel medical insurance, understanding health risks abroad, budgeting properly or planning a flexible schedule.

The lessons they’ve learned and the tips they’ve shared with IMG can serve as a starting point for others who are interested in traveling the world.

However, you may still be curious about one more detail of their travels: With so many unique and beautiful places to visit, how do they choose where to go next? For Mirella, it comes down to the people who live there.

"A city is just a place to see, but people and new cultures teach you things," she says.

Through this website and our social media updates, we are providing content, hyperlinks and references to information and articles, some of which has been created by third parties ("third-party content"). International Medical Group, Inc. and its parents, subsidiaries and affiliates ("IMG") neither endorses nor is responsible for the accuracy or reliability of any information, statement, opinion or advice within this third-party content. It is the responsibility of every user to evaluate the accuracy, currency, completeness or usefulness of any information, statement, opinion or advice within the third-party content. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, statement, opinion, or advice within the third-party content. Any concerns regarding such third-party content should be directed to the third-party. You acknowledge that under no circumstances will IMG be liable for any loss or damage caused by reliance on this third-party content.