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post #11 of 15 Old 04-13-2019
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Re: Health insurance for cruisers

We learned about a Cruiser's health insurance plan from Gowrie that seemed reasonable. You have to be going internationally for most of the year to qualify. Because other countries have more reasonable health costs than the U.S., the insurance is less than U.S. coverage would be. https://www.gowrie.com/USSailingProg...calHealth.aspx
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post #12 of 15 Old 04-15-2019
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Re: Health insurance for cruisers

We have been out 12 years and our only insurance is Medicare A/B and that does us no good out the USA. A South African friend tried to get us on his group policy a few years ago but they refused when they found we were over 65. Now at 74 I don't stand a chance -

We have had medical issues in the Carib and Med and pay out of pocket. The Admiral had hand surgery in Colombia by a hand surgeron at 1,500 usd and pt was about 25usd per visit. In Trini I had 1/2 my nose replaced at about 1,800usd - In Tunisia I ripped a shoulder tendon and had to have surgery to put 2 screws in to put it back - cost was less than 2,000 usd and pt was in the 25usd per visit
I have eye pressure problems and have to take drops 2x a day and in the USA the meds were in the 110usd range but in Turkey 15usd, in Germany about 30usd, and now in Israel about 20usd - and in Israel I had the best eye doc I have ever had anywhere and he was about 250usd and wow he took pics on the inside of the eye- did a complete work up and lots of test - he is certified retina specialist and incredible -

the usa is the worst place for medical anyplace in the world - and there is no difference in quality in fact sometimes worse - I had screws put in one shoulder in the USA as an out patient - In Tunisia they insisted I stay in the hospital for a couple of days and that is in the above number -

Just our thoughts and opinion
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post #13 of 15 Old 07-27-2019
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Re: Health insurance for cruisers

the decisions you need to make about health insurance while cruising the world will be personal ones. Talk it over with your family doctor and learn as much as you can about the options for policies out there. Then, go to an experienced broker who can steer you to the programs that fit your medical needs and cruising budget. As it is at home, the cost of insurance will end up being one of the significant line items in your monthly cruising budget, so make sure you are getting the policies you need.
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post #14 of 15 Old 07-27-2019
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Re: Health insurance for cruisers

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Originally Posted by Dfok View Post
I worked 45 years to get to medicare and a point in my life when I could sail away without expecting other taxpayers to subsidize my cruising.
Too bad that return on our generous "contributions" to "our" retirement care doesn't extend outside the country. I wonder if all those who retired to Costa Rica figured that one out?

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post #15 of 15 Old 07-27-2019
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Re: Health insurance for cruisers

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Originally Posted by Luisa Hilburn View Post
the cost of insurance will end up being one of the significant line items in your monthly cruising budget, so make sure you are getting the policies you need.
In general, I've found the island medical systems to be on a par to US ones, though considerably cheaper. The equipment may be older, but the practitioners' skill more than compensates. Actually, several of our island doctors are Cuban trained, which according to some, is a higher standard internationally than the US.
Self-insuring may be another way to go, and certainly way cheaper in the end. On the other hand, we know cruising couples who belong to the Life Flight program because the idea of visiting anything but an American doctor is unacceptable to them.
And medications? WOW!! We get most medications at a fraction of US costs. One medication which we cannot find for less than $513.00 in the US is $78.00 in Trinidad! That is for 30 days of one dose a day, and something many elderly are on for life. Most are more than 50% cheaper.

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“Believe me, my young friend, there is nothing - absolutely nothing - half so much worth doing as simply messing about in boats.” ― Kenneth Grahame, The Wind in the Willows

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Last edited by capta; 07-27-2019 at 12:40 PM.
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