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Old 12-04-2021, 12:09   #1
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Health insurance for outside the US?

My wife and I are considering taking a sabbatical in the next couples years and cruising full time for about a year (maybe 18 months). What do cruisers do about health coverage? Just risk it and plan to return to the US if needed? Are there special "outside the US" plans? Any tips on where to start looking.
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Old 12-04-2021, 17:32   #2
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Re: Health insurance for outside the US?

We like IMG Health Insurance - about to retire so no first hand experience yet. Rates are good. Must be out of the US to initiate coverage and stay out of US for 6 months each year. Reviews have been very positive for claim payments, etc.
Have also seen GeoBlue and Cigna recommended.

If you stay with US insurance Dan Boater used to bring you home if afflicted, this may have changed with COVID.
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Old 14-04-2021, 12:24   #3
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Re: Health insurance for outside the US?

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Originally Posted by Act Three View Post
We like IMG Health Insurance - about to retire so no first hand experience yet. Rates are good. Must be out of the US to initiate coverage and stay out of US for 6 months each year. Reviews have been very positive for claim payments, etc.
Have also seen GeoBlue and Cigna recommended.

If you stay with US insurance Dan Boater used to bring you home if afflicted, this may have changed with COVID.
Thanks. Will take a look at those. The must be out of the US to initiate coverage is a bit annoying although I get it. Would just be nice to get that wrapped up ahead of time.
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Old 14-04-2021, 12:58   #4
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Re: Health insurance for outside the US?

We've chosen to go the ACA route with the idea that it's there if we need to come back to the US for health care, but otherwise we're planning to use local medical services wherever we happen to be. Outside of the US, medical care is far more reasonable as well as often very very high quality.
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Old 15-04-2021, 10:54   #5
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Re: Health insurance for outside the US?

Gowrie Group offered an "out-of US" policy that seemed very reasonable. Like others mentioned above, it had limits on how long you could stay in the US.
https://www.gowrie.com/EmployeeBenef...edicalIns.aspx
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Old 15-04-2021, 11:33   #6
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Re: Health insurance for outside the US?

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Originally Posted by psk125 View Post
Gowrie Group offered an "out-of US" policy that seemed very reasonable. Like others mentioned above, it had limits on how long you could stay in the US.
https://www.gowrie.com/EmployeeBenef...edicalIns.aspx
I second the above.
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