Top-rated international health insurance for cruisers, sailors, and crew.
I’ve been in business since 2005, and helping cruisers keep cruising is what I do best, with over 75% of my long term clients as cruisers and sailors. From being a 2 time sponsor of the Baja HaHa to insurance seminars at Downwind marine in San Diego and the Pacific Sail and Power boat show in Oakland. I’m always up for hearing about your upcoming adventures and helping you find an insurance plan for your adventure.
The decision to get or not get insurance is different for everyone, people have different levels of risk that they are willing to accept. Many people decide that having something in case of a catastrophe is common sense. Here is what Keith and Renee from sailing Zatara had to say about getting insurance (WATCH VIDEO).
What is it?
Long term, annually renewable, international insurance is similar to US style private insurance that many of you are familiar with. Policies are a year period, have a variable deductible that you choose and must be met each year. Most do not cover pre-existing conditions. Most require underwriting and alll can be purchased with or without coverage in different parts of the world, the most common countries to exclude include the USA; excluding the USA drops the price significantly.
Who’s it for?
Long term, annually renewable, international insurance is for sailors and cruisers living aboard their vessels outside of the US for at least 3 months of the year. These plans are designed for cruisers who are on voyages of more than one year, typically more than 2. Going for a short time, see below.
The best benefits in the industry and the option to chose US coverage -premier or no US coverage -xplorer delivers the best plan on the globe. Two plans to choose from, the Xplorer, without benefits in the US and the Xplorer Premier, with unlimited coverage in the USA. *Coverage on both of these plans is limited to US Citizens and Legal Residents.
Flexible plans with most component separated out, Outpatient, Inpatient, Evacuation, Dental/Vision, Wellness and US coverage are all separate so you don’t need to pay for benefits that you don’t need. The Cigna plan then allows you to add only the extra benefits you need. If you are in a country where medical care is cheap, don’t add outpatient coverage, if somewhere more expensive then you can add it. This helps you keep your costs down and allows you the flexibility to get only the coverage you need. US coverage of 180 days is a bargain for US citizens, but very expensive for Non- US citizens. Offers up to a 10,000 deductible and cost sharing options to bring down the price.
IMG’s plan is a great annually renewable plan that is well known all over the place. They have been in business for a while and many people have had great luck with them. Their customer service is good and their coverage is good as well. Platinum plan will cover pre-existing conditions, if you’re approved for the plan. Their underwriting is not the easiest. There are three plan options available: Silver, Gold and Platinum.
The VUMI VIP expat plan delivers excellent Coverage for US & Canadian Cruisers who are confining their cruising grounds to Latin America, Brazil and the Caribbean. Silver and Platinum plans are very comprehensive and a great value. Free choice of international doctors and hospitals No co-payments or co-insurance outside the USA Up to 180 days of US coverage if desired. Apply until the age of 74
Nomad Health Insurance is a long-term international health insurance plan designed for those living the global lifestyle. -No limit as to how long you can stay in your home country during the year. -Coverage is available by region with travel accident benefits when traveling outside your selected covered area. -Instantly issued, no waiting period, with an exclusion of pre-existing conditions from only the last 2 years. Select vision, dental, preventative, highest benefits possible, maternity after waiting period Primary Plus inpatient, outpatient, medevac, much more incl. annual wellness check-ups Primary Comprehensive inpatient health insurance, outpatient included only pre-post admission. Payable in Euro, US$ or GB Pound. 6% discount if paid annually vs monthly.
Global rescue is the only evacuation back to your home country and will take you from any hospital to any hospital of your choice, once stable. In addition, they will send in a triage team to get you to the nearest hospital. This is the only plan that will evacuate you off of your sailboat in a medical emergency AND with the security option, could evacuate you off of a disabled sailboat in the middle of the ocean.
GeoBlue Navigator has some of the best customer service, fast claims turn around time, up to 9 months in the USA, any doctor outside the US and the blue cross/blue shield network inside the US. Excellent online tools for booking appointments or finding doctors in a foreign port. To find out more about navigator click the link below, check it out, get a quote or even enroll.
There are two Patriot Travel Medical Insurance products available to meet your needs, providing up to US $2,000,000 of medical coverage. Coverage can be obtained from a minimum of five days up to a maximum of two years. Patriot products address the travel medical insurance needs of U.S. citizens and foreign nationals who need temporary medical insurance while traveling for business or pleasure anywhere outside their home country. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.
Up to $1,000,000 in Medical Benefits Emergency Evacuation, Repatriation, and 24-Hour Assistance Services. The best coverage for pre-existing conditions in the industry. Covered benefits include Political Evacuation and Terrorism. Underwritten by The Insurance Company of the State of Pennsylvania. It can be taken for as few as 5 days or renewed for up to 3 years.
Insured Nomads short term plan is more expensive than the rest. But…It is the only plan that gives you unlimited time in your home country and the ONLY short term plan that will give you coverage in your home country. It provides access to any doctor and is portable all over the country, and then all over the world.
DogTag has been insuring adventure travel since 1999. Our clients are from all over the globe, they have tackled most summits and oceans, the north & south poles and some have just gone for a long walk in the wild or even on a city break. With over 500 different sports & activities on our list, we think we've got just about every sport you can think of covered but we are more than just about sport - What happens when things go wrong?