Join Date: Feb 2010
Location: Narragansett Bay
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Re: Health insurance for cruisers
One's health is the ultimate gamble. Every bite you take, every choice you make has a little impact on the outcome. Then again, so does your genetics. It's all too much to ponder, as none of us are getting out of here alive.
As this thread further supports, I get the sense that most global cruisers have little to no medical coverage.
Statistically, up to some older age, one's odds of needing very expensive medical care is fairly low. The majority pay (or their employer pays) way more in premium than the the individual ever gets back. However, when the minority come up craps on that bet, the cost can be bankrupting. It's not the odds of losing, it's the amount of loss, if you lose.
Broken bones and infections are not the concern, those always cost less than the insurance cost to cover them, even in the US. It's big surgery, serious disease, the big C that could be financially debilitating. The trouble is, most of us can not tell what our personal odds really are.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.