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Old 16-06-2015, 10:16   #1
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Cruiser insurance

Hi All,

I'm brand new here and am looking for some advice. My wife and are heading out in several months and am curious about finding health insurance and boat insurance while we're gone. Does anyone have a recommendation for each type? Any advice is appreciated.
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Old 16-06-2015, 10:35   #2
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Re: Cruiser insurance

I use world nomads for health insurance. More of an emergency health cover. Around $1000/year. Pantaenius or topsail for boat insurance, around 1.5% or hull insurance value. Shop around, some cover different areas.
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Old 16-06-2015, 11:24   #3
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Re: Cruiser insurance

Quote:
Originally Posted by Michael Hays View Post
Hi All,

I'm brand new here and am looking for some advice. My wife and are heading out in several months and am curious about finding health insurance and boat insurance while we're gone. Does anyone have a recommendation for each type? Any advice is appreciated.
A lot depends on where you're from. You ask for advice but give us little to go on. Especially on the matter of health insurance, where you're from and where you're going will make a lot of difference as far as cost and coverage goes.
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Old 16-06-2015, 15:26   #4
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Re: Cruiser insurance

Thanks, I'll check them out
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Old 16-06-2015, 15:26   #5
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Re: Cruiser insurance

Extensive threads on this here already...which usually descend into political battles before being closed, but still contain some useful info too. Worth perusing.

You can dramatically drop premium cost by excluding coverage in the USA. In many other countries, excellent healthcare is available at reasonable costs. Here in Central America I finally decided to drop commercial coverage and self-insure, because the healthcare is so affordable it seemed silly to keep paying even low insurance premiums.

I've known serious burn victims, neurological surgery, hip replacement, knee replacement, back surgery, cancer treatement (successful) patients...not a one has spent over $10K in Guatemala (my home base).
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Old 16-06-2015, 15:45   #6
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Re: Cruiser insurance

We're heading to the caribbean from Texas, we will probably get down to Grenada eventually.
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Old 18-06-2015, 04:04   #7
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Re: Cruiser insurance

Greetings and welcome aboard the CF, Michael.
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Old 18-06-2015, 05:16   #8
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Re: Cruiser insurance

In addition to health insurance, I would highly recommend a medical evacuation service. It's dirt cheap and incredibly useful when you need it. I've traveled the world and work in emergency medicine, and I'll tell you that medical services vary wildly depending on where you are. If I have an issue, my evacuation company will evaluate my care, come get me, or make arrangements, to transport me anywhere that I want to go. There are serval companies that do this, I use Global Rescue out of Boston. In the spirit of disclosure however, I used to work for Global Rescue, which gave me great insight into the need for the service.
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Old 18-06-2015, 05:57   #9
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Re: Cruiser insurance

Greetings and welcome aboard the CF, enjaku.
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Old 18-06-2015, 06:19   #10
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Re: Cruiser insurance

I have American friends who live in Belize. They all say their medical insurance is Taca Airlines and a trip back to the US for anything major.

That's kind of my theory, too. Pay out of pocket for small stuff, and have medical air transport insurance to get a plane back to the US for anything major.
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Old 18-06-2015, 06:48   #11
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Re: Cruiser insurance

Group9 - That's fair. The issues are if you're too sick to fly. If you're getting care in Belize, is it appropriate care? This is especially relevant with acute stuff. I've seen medical care in developed countries almost kill a patient because it was absolutely wrong for the illness. For what amounts to about $300/year, all of that is covered. Out of pocket costs for care and transport can easily climb north of $10K USD. Just my dos pesos. -eric
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Old 18-06-2015, 06:49   #12
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Re: Cruiser insurance

IMIS or international marine insurance services in Maryland has a "jackline" policy tailored for cruisers...why not just do a google search for specifics on health and hull insurance?
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Old 18-06-2015, 11:39   #13
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Re: Cruiser insurance

On boat insurance try either IMIS or Bill Hodgens at Yachtinsure. Used them both and both are great. We currently have IMIS.


Health insurance we do not have any outside the USA. Medical is generally good outside the USA and inexpensive. The Caribbean is a big place so saying you are sailing the Carib is a bit ambiguous. It sounds like you are sailing the Eastern Carib. and I had one side of my nose replaced in Trinidad and a lot of dermatologist who have seen it since are impressed by the job and it was inexpensive.


But search this site for a lot of info on it.
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