[Kasidah]

Thanks for the quick replies.... Alot of companies I have looked into won't cover you if you are cruising in your home country or you have to be out at least 6 month of the year. The idea of self insuring and just making sure that you are in a place or can get back to a place that will give you good care sounds like the way we will go unless we can find more affordable insurance that will pay claims when you summit them. We are divers and are members of DAN which should help if we need to get some where in an emergency. It would be great to hear from a lot more cruisers about this so that others just getting out there know they are doing about the same thing or have different choices when it comes to health insurance issues.