Area specific, Boat
US in one area, but SeaTow in the next. Whichever one you buy, it will cover a tow by the other one if the primary is not available. You pay upfront and get reimbursed.
The only time I have ever been towed I had Boat
US, it was on a lake that only was serviced by SeaTow. I paid upfront by Credit Card, but had the reimbursement check prior to having to pay the Credit Card bill, easy, no hassle.
It seems however that more Marina's give a discount for Boat US membership
than for SeaTow, but again, that may be the area I'm in too. My Marina for example, .25c per ft a night less for Boat US members, nothing for SeaTow
Just roll the dice and buy one, cause they will bend you over the table if you need a tow and are not covered.
Since the Tow services came into existence, people don't help each other out like they used to. I towed a guy a few years ago, and the whole time I did I was shadowed by FWC like I was committing a crime. It was a working class guy in a small boat
that didn't have SeaTow money
, but needed help. They had swamped their little boat. I believe it was their first experience in the "ocean"