Cruisers Forum
 


Reply
 
Thread Tools Search this Thread Rate Thread Display Modes
Old 05-10-2021, 07:25   #1
Registered User

Join Date: Sep 2019
Posts: 10
International Health Insurance suggestions

Hi fellow cruisers,
I am relatively new to this site and recently moved aboard my boat intending to cruise around the world for the next several years. I am looking for recommendations of international health insurance plans. Any insight would be greatly appreciated. Many thanks,
Alison
AliB is offline   Reply With Quote
Old 05-10-2021, 07:35   #2
Registered User

Join Date: Mar 2021
Location: Costa del Sol
Posts: 818
Re: International Health Insurance suggestions

As you fail to add where you are located, here is a tip for you - assuming you're in Europe: https://osdinternational.com/de/inte...herung/segler/
Joh.Ghurt is offline   Reply With Quote
Old 05-10-2021, 08:04   #3
Registered User

Join Date: Dec 2020
Posts: 750
Re: International Health Insurance suggestions

If you are based in the USA, you might try GeoBlue.

They have a number of options that are quite good and you can tailor it to your needs. A number of times we have talked with people who pitched much cheaper plans to us, and we always found that the coverage was significantly less comprehensive.
BillKny is offline   Reply With Quote
Old 05-10-2021, 09:41   #4
Registered User

Join Date: Sep 2019
Posts: 10
Re: International Health Insurance suggestions

My apologies for not including my current location. I am a US citizen and am currently in the US but plan to head south to the Caribbean and across the Atlantic.

I will look into GeoBlue. Thanks for that recommendation
AliB is offline   Reply With Quote
Old 06-10-2021, 09:07   #5
Registered User
 
taxwizz's Avatar

Join Date: May 2013
Location: Toronto
Boat: Small yellow rubber ducky
Posts: 697
Re: International Health Insurance suggestions

If you are over 75 you might as well just kill yourself now, as you will not get insurance.
taxwizz is offline   Reply With Quote
Old 06-10-2021, 09:11   #6
Registered User

Join Date: Dec 2009
Location: Cruising, now in USVIs
Boat: Taswell 43
Posts: 861
Re: International Health Insurance suggestions

A lot depends on what you want the insurance for....full health care at a local facility, or transportation back to the US/your home area, a supplement to add to whatever you currently have, etc. When we cruised the Medd (4 "seasons") we relied on our stateside ins, and used DAN (Divers Alert Network membership) for their insurance to get us back to the US. Our BlueCross Medicare Supplement provided emergency room coverage for non-US locations. And although the BlueCross ins has changed some in the past years, that is pretty much what we're doing now, as we get ready for our 7th season in the Caribb. Depending on where and for how long you plan to be in the Caribb, there are local insurances you can buy, including one in St Thomas, USVI that pays for a private jet to fly you back to the US.
sailcrazy is offline   Reply With Quote
Old 06-10-2021, 12:37   #7
Registered User

Join Date: Sep 2007
Location: Cayuga Lake NY - or on the boat somewhere south of there
Boat: Caliber 40
Posts: 1,275
Re: International Health Insurance suggestions

Dont get insurance coverage in the US for overseas. it will be hideously expensive and not very good.

Instead, just buy routine doctor services a la carte. It will be far cheaper than any insurance. In order to insure against major problems, buy medical evacuation insurance (e.g. Medjet) which will fly you back home where your regular insurance will kick in and where you would want to be anyway in the event of something major.

we did this for years and never had a problem with stuff like broken arms, lacerations, routine gynecological issues, and even a scratched cornea. Perfectly good treatment and very cheap compared to US prices (which are truly divorced from reality). The evacuation insurance is relatively cheap but I know people who have used it and it is quite nice to be flown back to your home town whenever you ask. The only requirement was that a local MD needs to attest that you need to be in a hospital for treatment. Then they send the jet.
sck5 is offline   Reply With Quote
Old 06-10-2021, 15:05   #8
Registered User

Join Date: Dec 2014
Posts: 631
Re: International Health Insurance suggestions

As with all insurance, the more you have, the less likely are you to benefit from having it. Insurance companies are absolute experts at taking much, much more than they give. Sck5 has nailed it.
billgewater is offline   Reply With Quote
Old 06-10-2021, 16:06   #9
Registered User

Join Date: Jan 2017
Location: Alameda
Boat: Pearson 303
Posts: 98
Re: International Health Insurance suggestions

Quote:
Originally Posted by sck5 View Post
Dont get insurance coverage in the US for overseas. it will be hideously expensive and not very good.

Instead, just buy routine doctor services a la carte. It will be far cheaper than any insurance. In order to insure against major problems, buy medical evacuation insurance (e.g. Medjet) which will fly you back home where your regular insurance will kick in and where you would want to be anyway in the event of something major.

we did this for years and never had a problem with stuff like broken arms, lacerations, routine gynecological issues, and even a scratched cornea. Perfectly good treatment and very cheap compared to US prices (which are truly divorced from reality). The evacuation insurance is relatively cheap but I know people who have used it and it is quite nice to be flown back to your home town whenever you ask. The only requirement was that a local MD needs to attest that you need to be in a hospital for treatment. Then they send the jet.
Great advice! Two separate friends had to be flown back from Europe and the Ukraine and the insurance covered it. Both with heart issues.
rmesfo is offline   Reply With Quote
Old 06-10-2021, 16:13   #10
Senior Cruiser
 
hpeer's Avatar

Cruisers Forum Supporter

Join Date: Dec 2008
Location: Between Caribbean and Canada
Boat: Murray 33-Chouette & Pape Steelmaid-44-Safara-both steel cutters
Posts: 7,520
Re: International Health Insurance suggestions

Gowrie has a cruising health care specialist. We have a policy, for very reasonable cost, that covers the entire world EXCEPT the USA. You need to talk to a rep and ask.

https://www.gowrie.com/
hpeer is online now   Reply With Quote
Old 06-10-2021, 16:55   #11
Nearly an old salt
 
goboatingnow's Avatar

Join Date: Jun 2009
Location: Lefkas Marina ,Greece
Boat: Bavaria 36
Posts: 17,210
Images: 3
Re: International Health Insurance suggestions

Quote:
Originally Posted by hpeer View Post
Gowrie has a cruising health care specialist. We have a policy, for very reasonable cost, that covers the entire world EXCEPT the USA. You need to talk to a rep and ask.

https://www.gowrie.com/
Loads of health insurance exempts the US , go figure
__________________
Interested in smart boat technology, networking and all things tech
goboatingnow is offline   Reply With Quote
Old 06-10-2021, 19:36   #12
Registered User

Join Date: Mar 2011
Location: Southport CT
Boat: Sabre 402
Posts: 1,998
Re: International Health Insurance suggestions

Quote:
Originally Posted by goboatingnow View Post
Loads of health insurance exempts the US , go figure
Because healthcare in the US is more expensive than other places. (Possibly because the insurance companies run it instead of the government?) Gowrie's program makes a lot of sense if you're not going to be in the US much.
psk125 is offline   Reply With Quote
Old 06-10-2021, 19:52   #13
Registered User

Join Date: Aug 2013
Location: Guatemala
Boat: Young 42
Posts: 72
Re: International Health Insurance suggestions

I highly recommend purchasing travel insurance through "Global Nomads", which is a backpackers organization based in Australia, I believe. However, they cater to citizens all over the world. As an American, they hooked me up with a US based insurer that covered me for one year. I had to re-up each year. The cost was around $1000 annually, and covered medical as well as other "emergencies". The key is that you have to pay out of pocket wherever you are, and supply the insurer with receipts and doctors letters, etc. Eventually, they pay up fro everything. No deductible! I had a crown for a broken tooth paid for in South Africa, and cataract surgery reimbursed in Curacao.
jipcho is offline   Reply With Quote
Reply

Tags
health, health insurance, insurance

Thread Tools Search this Thread
Search this Thread:

Advanced Search
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
Canadian Life insurance and health insurance tmoandj General Sailing Forum 25 06-09-2021 08:29
What International Health Insurance Provider do you recommend? Cynrad Dollars & Cents 6 16-10-2015 00:40
Health Insurance Medicare international jim_thomsen Dollars & Cents 4 31-01-2014 01:39
International Health Certificate ? mestrezat Families, Kids and Pets Afloat 6 12-10-2010 16:25
International Health Insurance GMW Dollars & Cents 8 23-09-2008 05:59

Advertise Here


All times are GMT -7. The time now is 08:28.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.