I've typically taken out annual travel insurance for any trips abroad, at around £40-80 a year based on travel plans. But with my renewal fast approaching, I've realised that the 4 month training secondment I will also shortly be starting to offices in the US will either push my insurance beyond £400, or not be valid at all. The further complication is that I am insured to some degree by my employers - medical, flight at start and end of trip, business items - but not for any travel during the secondment, nor my own gadgets.
Has anyone ever had experience with trying to insure themselves for this sort of scenario? As I am there on a J1 Visa I don't believe I am able to insure as a US resident while I am there, but equally I cannot affordably get a policy in the UK that allows for the length of my time there (no doubt due to the medical, which I already have covered).