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I think they would still tell you to return, since any costs in the US would be paid by your regular medical insurance, not your travel insurance.

In this case I presume you'd not be paying for US insurance, as you'd expect to be backpacking for many months more.

But the expectation of most travel insurance is that you also have regular health insurance.

If you think you've found a neat hack like:

-- Skip buying regular health insurance

-- Buy a $300 12-month travel insurance instead

-- Spend the savings traveling around for a year while being fully covered for medical expenses

You're probably missing something.