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Go Back   SailNet Community > Out There > Cruising & Liveaboard Forum > Living Aboard
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  #11  
Old 04-22-2010
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"Any idea how well a US based plan would serve me in the Caribbean? (if at all...)"
Great, if the plan provides "out of plan" coverage. (Ka-ching!)
No coverage at all, for the vast majority of plans, until a steep deductible is reached. If you look for a "major medical" plan as opposed to comprehensive health insurance, things become more reasonable again. Only because you don't have coverage for the routine little things, regular meds, and so on, until a higher dollar point is reached to begin with.
You might also want to look into medevac insurance, since Miami-Jackson's Ryder Trauma Center is apparently the only Class1 trauma center available between the US and the interior of South America. (!)
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  #12  
Old 04-22-2010
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Or emigrate to Canada and then go cruising windy We pay 80 bucks a month for full coverage for my wife and I plus 130 per year for additional travel insurance. The travel portion is covered by ING Travel well. Used it in Thailand a few years ago with no problem and no cost. Any doctor 100% coverage we pay for our own drugs. Spend your summers cruising the PNW and the winters in the sunny Caribbean
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  #13  
Old 04-23-2010
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Quote:
Originally Posted by kootenay View Post
Or emigrate to Canada and then go cruising windy We pay 80 bucks a month for full coverage for my wife and I plus 130 per year for additional travel insurance. The travel portion is covered by ING Travel well. Used it in Thailand a few years ago with no problem and no cost. Any doctor 100% coverage we pay for our own drugs. Spend your summers cruising the PNW and the winters in the sunny Caribbean
EDIT:

I'm calling BS on that. I did some quick research and am being told that there is no such package avialable. Canadians are not covered outside their province, let alone country, many revoke coverage if gone for an extended time, even three months in another province can trigger that status. I could find no package that will give this great unlmited, full coverage, for $80 bucks a month in BC or elsewhere.

If the reference is being made to BC health a family of two has a monthly cost of $96 though there are assistance programs. On top of that is about 35% of all provincial taxes are collected for health care and of course many other taxes go towards health care and much is not covered. So even the BC provincial program is well over $80 a month and it is not full coverage delivered (though it is promised, it is also promised to be the best and the cheapest in the world and so on).

It also does not work for those wanting to spend the warm months sailing elsewhere unless you can stay with in these limits:

You may be eligible to receive coverage for up to 24 months during a temporary absence from B.C. Approval is limited to once in five years for absences that exceed six months in a calendar year.

Residents who spend part of every year outside B.C. must be physically present in Canada at least six months in a calendar year and continue to maintain their home in B.C. in order to retain coverage.


It would also not take effect for the first year, and BC is the province in which you will most often see the signs clearly stating "Out of Province Patients pay Cash" though I was able to use other methods they just know they do not get paid just because the person is a resident of Canada.

Nice socialist dream though.
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Last edited by Architeuthis; 04-23-2010 at 06:00 PM. Reason: BS detected.
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  #14  
Old 10-22-2010
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Smile Health Insurance

We currently anchor in Luperon Bay, Dominican Republic & quality health care is so reasonable most people see little need for insurance here. However, if you go elsewhere and want lifeflight coverage, repatriation of remains, etc. then let me recommend Multinational Underwriters for really good reasonable coverage. Several years ago I was lifeflighted out of St. Vincent to Ft. Lauderdale for emergecy care. The flight was $16000 & I spent 21 days in the hospital for a total bill of $100,000. I paid only my $4000 deductible with no paperwork or questions asked. I believe at age 55 my annual premium was about $1600. westerly84@yahoo.com S/V Chasin' the Moon

Last edited by westerly; 10-22-2010 at 02:53 PM. Reason: add name
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Old 10-22-2010
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From Alberta, Canada

Quote:
If you are travelling in another Canadian province or territory and require physician services, simply show your Alberta Personal Health Card at the time of service. Medically required physician services are billed automatically to the Alberta Health Care Insurance Plan. The exception to this is the province of Quebec, where it is likely you will have to pay for the services you receive. Upon returning to Alberta you may apply to the Alberta Health Care Insurance Plan for reimbursement
Quote:
The Alberta Health Care Insurance Plan will pay benefits for out-of-country physician services at the same rate an Alberta physician receives. You and/or your supplementary travel health insurance provider are responsible for paying the difference between what is charged and what the Alberta Health Care Insurance Plan pays
Both my wife and I have supplemental health care plans through our employers that cover travel. Extended travel can be problematic.

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Last edited by jackdale; 10-22-2010 at 03:10 PM.
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  #16  
Old 10-22-2010
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Repatriation Insurance is cheap, DAN is $150 and is crucial for cruisers with US only insurances like Medicare and Veterans.

Not sure how to link to a thread but here it is

Repatriation Insurance (DAN)
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Old 10-23-2010
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Quote:
Originally Posted by Yorksailor View Post
Repatriation Insurance is cheap, DAN is $150 and is crucial for cruisers with US only insurances like Medicare and Veterans.

Not sure how to link to a thread but here it is

Repatriation Insurance (DAN)
DAN is probably a bad example since it only covers injuries while actually in the act or about in the act (e.g. in gear and jumping off the boat) of scuba or snorkeling.

However - your point it valid!
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Old 10-23-2010
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But DAN says:

http://www.diversalertnetwork.org/insurance/compare.asp

DAN Insurance Programs
Preferred Plan--Master Plan--Standard Plan
Medical Dive Accident Coverage
$250,000 Per Occurrence--$125,000 Lifetime Max.--$45,000 Lifetime Max.

In-water skin- and scuba diving accidents
Decompression Illness Expense Yes Yes Yes
Other Dive Injury Medical Expense Yes Yes No
Snorkeling / Skin Diving Yes Yes Yes
Coinsurance for Dive Accident Medical Coverage 100% 100% 100%
Accidental Death & Dismemberment / Diving $15,000
Principal Sum $15,000
Principal Sum N/A Resulting from a covered diving accident.
Permanent & Total Disability $15,000
Principal Sum $15,000
Principal Sum N/A Resulting from a covered diving accident.
Extra Transportation Up to
$2,000 Up to
$1,000 N/A Resulting from a covered diving accident.
Extra Accommodation Up to
$3,000 Up to
$1,500 N/A Resulting from a covered diving accident.
Lost Diving Equipment Up to
$2,500 Up to
$2,500 N/A Resulting from a covered diving accident.
Planned Maximum Depth Covered No Limit No Limit 130ft/40m
Medical Non-Dive Accident Coverage
Occurring outside home country $10,000
Lifetime Max. N/A N/A For eligible charges for treatment of non-diving accidents outside home country.
$250 deductible
Diving Vacation Cancellation $10,000
Lifetime Max. N/A N/A Coverage for losses for dive trip canceled due to injury or illness before departure.
$250 deductible
Diving Vacation Interruption $5,000
Lifetime Max. N/A N/A Coverage for losses incurred for dive trip interrupted due to injury or illness after departure.
$250 deductible
Cost Per Year $70.00 $35.00 $25.00

From their web site, it appears that the current policy is what their original policy was--next to zilch unless it is a DIVING RELATED accident.
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Old 10-27-2010
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IMIS specializes in insurance for cruisers and liveaboards, they are brokers so they don't have a vested interest in a particular company, and they offer health insurance as long as you are out of the U.S. 181 days/year. They also offer liveaboard coverage that includes your possessions as well as liability; we've used them for 9 years and been very satisfied. IMIS Home Page ~ International Marine Insurance Services
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Old 05-10-2012
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Re: Health Insurance

I did a bit of research before we started cruising - this is the company we got a quote from:

Worldwide Travel Insurance | Seven Corners

It was about $5000 a year for a late-forties couple, as I recall. Catastrophic, high deductible (5000, I think). The cruisers that we know either have DAN, or they have no health insurance, or they use one of the catastrophic plans like the one I cited above and they pay all medical expenses out-of-pocket. We decided against getting the insurance (big chunk of change!) but we're uneasy with the decision, so probably will revisit at some point. Would be interested to hear what other full-time cruisers have decided.
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