diama, if you are sailing in the Caribbean
, I would suggest that you don't need any. There is excellent, low cost (or in some cases, no cost) health care
available in Grenada
. For example, as at December, 2009 you could get an ultrasound with radiologist report the next day for $15.00 in Venezuela
. Inter-island flights are available quite cheaply, although of course, you could always get a cheap
flight back to Canada
Cost for a significant procedure? Several years ago a friend of mine incurred serious spinal injuires in a motorcycle accident
on Isla Margarita. She was taken by ambulance to a local hospital where, after a Catscan (and a second opinion from a Canadian doctor who received copies of the report) it was determined that surgery would be required before she could be safely flown home. She was transferred to an orthopedic hospital where surgery was performed by a US trained surgeon who spoke excellent English
. She needed 3 further days in hospital to recover. Her total bill? $1500.00! (And upon her return to Canada
the orthopedic surgeon she consulted here could find nothing to criticize about the surgery).
Yes, there are risks associated with carrying no insurance
. However, in an article a few years ago in Cruising World magazine, some American cruisers who had
insurance found it cheaper and less of a hassle to pay out of pocket for some procedures in Trinidad and Venezuela, than to deal with the necessary forms, referrals and deductibles on their policy.