Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 09-12-2008, 15:53   #1
Registered User

Join Date: Sep 2008
Posts: 69
Medical Insurance

I cannot imagine this has not come up before but I cannot find anything with a search.

What are the options for medical coverage while cruising.

I am with Kaiser and they are not keen on covering me while I trundle around the world and even if I tell them I will only be crusing within a 100 miles of a Kaiser hospital it will cost me 1300 a month. What really hurts is I work for them. Any suggestions anyone?

Does anyone in canada know how long one has to be resident to qualify for health coverage?

thx Shawn
__________________

__________________
shawnkillam is offline   Reply With Quote
Old 09-12-2008, 16:46   #2
Registered User
 
Easterly-30's Avatar

Join Date: Sep 2008
Location: Mount Airy, NC
Boat: Easterly 30 manufactured in Metairie, Louisiana - s/v Lady Longlegs
Posts: 39
Check this link out: International Health Insurance¬*-¬*Buy your insurance online Note: it is expensive.
__________________

__________________
Capt. Jim
s/v Lady Longlegs

"I love to sail forbidden seas, and land on barbarous coasts."
Moby Dick page 6
Easterly-30 is offline   Reply With Quote
Old 09-12-2008, 19:00   #3
Registered User

Join Date: Sep 2007
Location: Cayuga Lake NY - or on the boat somewhere south of there
Boat: Caliber 40
Posts: 1,096
also checkout Medex (there are competitors too) which is medical evacuation insurance - that is, if you are sick and need to get to a "real" hospital they will send a plane and bring you to, eg. Miami if you are in the islands. It isnt very expensive and works quite well - I know people who have used it. It isnt medical insurance per se, but can get you back to where your regular medical insurance will work if you need it.
__________________
sck5 is offline   Reply With Quote
Old 10-12-2008, 06:18   #4
CF Adviser
Moderator Emeritus
 
Hud3's Avatar

Cruisers Forum Supporter

Join Date: Sep 2007
Location: Virginia
Boat: Island Packet 380, now sold
Posts: 8,929
Images: 49
Shawn,

Try searching "Medical Insurance" and "Health Insurance" using the Google search feature in the "Search" pull-down menu in the blue bar up top. There's a ton of info to be had in previous threads on the topic.
__________________
Hud
Hud3 is offline   Reply With Quote
Old 10-12-2008, 07:14   #5
Registered User
 
Agur's Wish's Avatar

Join Date: Sep 2006
Location: 10,600 feet in the Rockies and Abaco, Bahamas
Boat: Tashiba 40
Posts: 127
Before you buy evacuation insurance make sure it is actually feasible where you are cruising. Most of the time you want to be evacuated it will be an emergency and you won't be able to wait for them to send a plane. Instead you will probably have to charter a plane and it would make more sense to find an insurance that would cover those expenses or include them in your deductible.
__________________
First Mate Mary
http://firstmatemary.blogspot.com
Agur's Wish is offline   Reply With Quote
Old 10-12-2008, 07:58   #6
Registered User
 
James S's Avatar

Cruisers Forum Supporter

Join Date: May 2008
Location: Yemen & Lebanon... the sailboat is in Lebenon, the dhow is in Yemen
Boat: 1978 CT48 & 65ft Cargo Dhow
Posts: 5,816
Images: 139
Try BUPA...they also have Medivac ...I used it...it was great.
__________________
James
S/V Arctic Lady
I love my boat, I can't afford not to!
James S is offline   Reply With Quote
Old 11-12-2008, 14:00   #7
Registered User

Join Date: Sep 2008
Posts: 69
Thanks everyone for your input. I tried to contact international health insurance as recomended by easterly-30. They "don't except in exceptional circumstances cover US or Canadian residents" They have also declined to answer my email for whatever reason. The problem of medical evacuation insurance is that my current provider and employer - Kaiser won't cover extended trips outside of it's coverage area so I need to find local insurance to make medical evacuation feasible.
As far as searches go I searched all the treads using medical insurance, health insurance and other combinations thereof. I found a great deal relating to boat insurance but not health but I will try again using the google search.
thanks all SK
__________________
shawnkillam is offline   Reply With Quote
Old 11-12-2008, 15:23   #8
cruiser

Join Date: Mar 2004
Posts: 1,167
Avoid Travel Underwriters , Worldwide Mediclaim, at all costs. When I made a claim with them they refused to pay, as I didn't have a credit card for them to put my expenses on, to force me to go to court for reimbursement. Their first priority appeared to be to find a way to weasel out of paying . I've met others with similar problems with them.
Brent
__________________
Brent Swain is offline   Reply With Quote
Old 11-12-2008, 15:36   #9
Registered User
 
Connemara's Avatar

Join Date: Oct 2006
Location: Toronto, Canada
Boat: Mirage 27 in Toronto; Wright 10 in Auckland
Posts: 671
Images: 2
Quote:
Originally Posted by shawnkillam View Post

Does anyone in canada know how long one has to be resident to qualify for health coverage?

The problem is you have to STAY resident. Dunno how long you have to be here to be eligible for coverage (I was born here, so it somehow never came up).

But if you live outside the country for more than (I think) six months, it lapses, although there may be special circumstances in which you can get an extension. (Diplomats, for instance.)

Snowbirds and other expats often make a trek home for a while once or twice a year.

Connemara
__________________
Connemara is offline   Reply With Quote
Old 11-12-2008, 18:45   #10
Registered User
 
Jentine's Avatar

Join Date: May 2004
Location: Cruising on the hook
Boat: Beneteau 393, "Blackthorn"
Posts: 744
Images: 5
You can find excellent health maintenance outside the US for American cash for much less than the cost of insurance. $1300 per month will buy a lot of medical care. That is $14,700 per year. How sick are you?
__________________
Jim

We are what we repeatedly do.
Excellence, therefore, is not an act but a habit."
--Aristotle
Jentine is offline   Reply With Quote
Old 11-12-2008, 18:56   #11
Senior Cruiser

Cruisers Forum Supporter

Join Date: Jul 2005
Boat: Outbound 44
Posts: 4,571
Take a look here for some options:
https://www.imglobal.com/travelinsur...fm?IMGAC=20258
IMIS Online Services

Paul L
__________________
Paul L is online now   Reply With Quote
Old 12-12-2008, 11:31   #12
Registered User

Join Date: Sep 2008
Posts: 69
Jentine,
the kicker is I'm not sick at all. We are the kind of people that make it possible for insurance companies to pay their CEO's millions of dollars. I just am not comfortable without some catastrophic coverage. Being in the biz I get to see people who get in a car accident or something similar and are wiped out.
Connemara
I'm a Canadian although I have been down here in california for about 8 years. My family is still in Canada so I could conceivably go back to the motherland altough in a wierd twist of fate I probably can't work there.
__________________
shawnkillam is offline   Reply With Quote
Old 12-12-2008, 11:41   #13
Registered User

Join Date: Sep 2008
Posts: 69
Paul L,
I took a look at that web site. It seems they would probably make the grade. Do you have any experience with the company or know anyone who has?
Thx sk
__________________
shawnkillam is offline   Reply With Quote
Old 12-12-2008, 12:02   #14
CF Adviser

Cruisers Forum Supporter

Join Date: Dec 2007
Location: Wherever our boat is; Playa Zaragoza, Isla Margarita
Boat: 1994 Solaris Sunstream 40
Posts: 2,439
Shawn, where do you plan on cruising? If in the Gulf of Mexico, the Caribbean or South or Central America, you will likely be within shuttle flight distance of places where health care is extremely reasonable. There are numerous people who have purchased, at considerable cost, coverage and have found that their deductibles exceed the cost of health care in some Caribbean countries. Cuba, for one (although if you plan on returning to the US, you would be banned from using their health care; but also Grenada (which has the medical school of the University of the West Indies and an up to date teaching hospital) and Venezuela come to mind.

Venezuela has both public and private hospitals and even at the latter, costs are incredibly low. A friend of mine and his wife had a motorcycle accident on Margarita Island 5 years ago and had to be transported by ambulance to the hospital. Both were x-ray'd, he was treated with a neck brace and pain killers. She, unfortunately had fractured vertebrae. An MRI was taken and she was transported to an orthopedic hospital where surgery was performed. She was stabilized for a few days and then she was able to fly back to Canada. A Canadian Orthopedic Surgeon who reviewed the surgery said that they had done an excellent job; she recovered fully. The total cost, including ambulance for both? $500.00USD.

There have been numerous articles in the last couple of years in Cruising World etc. which give more current and similar examples; one sailor had received a deep wound that became seriously infected. As I recall he attended hospital on a Sunday - the wound was cleaned and samples of the infection taken. Due to the seriousness a specialist was called in on Sunday night. After the cultures were analyzed, it was determined that he had a rare infection that could only be treated by a particular antibiotic. He received an IV boost of the same and was released with a prescription for oral pills to follow up. As I recall, he received change from his $50.00 deposit.

Other examples? As of a year ago, an ultrasound with radiologist report cost under $15.00. I could probably find the cites for the articles (or some of them), but the point is that health care in some places is so inexpensive that, even for a foreigner, that costs are cheaper than any form of health insurance, let alone the insurance plus deductibles. Travelling without heath insurance does pose a risk; that being said, unless you are suddenly struck with a catastrophic injury/condition that does not permit you to travel, even by air, you will always be within range of inexpensive, quality health care if you are cruising in the Caribbean.

With respect to Canadian health insurance coverage out of the country, I know that Ontario's plan (and they vary province by province) has drastically reduced the coverage for people travelling outside of Canada. Even Canadians are now advised to purchase additional coverage when travelling abroad.

Brad
__________________
Southern Star is offline   Reply With Quote
Old 12-12-2008, 12:03   #15
Senior Cruiser

Cruisers Forum Supporter

Join Date: Jul 2005
Boat: Outbound 44
Posts: 4,571
Quote:
Originally Posted by shawnkillam View Post
Paul L,
I took a look at that web site. It seems they would probably make the grade. Do you have any experience with the company or know anyone who has?
Thx sk
No experience yet. I've been looking around and these guys seem to be reasonable. The IMIS insurance broker is also well thought of. I will probably try to setup a policy mid next year.

Paul L
__________________

__________________
Paul L is online now   Reply With Quote
Reply

Tags
medical

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Health Insurance and those expected medical emergencies Putawaywet Dollars & Cents 5 19-05-2008 16:01
Medical Insurance FreedomSeekers Dollars & Cents 12 09-05-2006 10:25
Medical Insurance seagypsywoman Dollars & Cents 8 03-05-2006 13:09
Cruising Medical Resource GordMay Health, Safety & Related Gear 2 03-05-2006 07:17
Medical 'Fashion' GordMay Health, Safety & Related Gear 1 01-03-2006 04:24



Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 17:41.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.