Check with your existing Med Aid. I think Discovery will fly you home within the first few months of travel. Why not invest the sum of money
that you would pay in premiums before you go to have a nestegg in case of misshap. Don't forget you're embarking on about the most healthy lifestyle there is, and accidents aside, the chances of dread illness reduce with increase in distance from land. ! On a 5 year circumnav no boats our of our aquaintance in our season including those with children
ever needed any serious doctoring. If push = shove have enough cash on hand to pay for an airticket home and go to a govt hospital !!