Cruisers International Health Insurance
A large percentage of Expat Underground (EU) clientele are cruisers, we have been dealing with cruisers and their dreams since we have been dealing with Expat Health Insurance because of this we understand the life and challenges of those that choose the cruiser lifestyle. $100 per month Worldwide Health Insurance – based on 55-60 years. Get a quote now!
As cruisers are usually well equipped to deal with minor medical issues and are generally pragmatic and practical, their insurance needs can be largely, if not wholly, for emergency medical care that would otherwise cause considerable financial discomfort.
The freedom of being able to set your own course, to dock wherever you decide and generally live a life of liberty and good health is something to be admired. Expat Underground wants to be able to help you do this with peace of mind, cruisers health insurance can be a difficult subject to navigate and that is why Expat Underground has broken down the basics for you.
Generally any cover is better than no cover at all but you could be paying for something you don’t and probably won’t need, however we find that many cruisers go uninsured because they feel that if they save by not paying premiums that they will be able to pay for medical expenses out of pocket, if ever required. It is an understandable mistake to make, but let us assure you that if a major expense is incurred no level of saving will substitute having a good Cruisers health insurance plan.
Hospitalisation is a rare event in anybody’s life, but in the unwanted event that you or someone close to you is hospitalised the bills can add up extremely quickly and the premiums that you didn’t pay for the last so many years are now looking like a pittance compared to what you are up against. So you are better to have a policy that will cover you in an emergency, with benefits such as emergency medical evacuation, inpatient expenses, choice of hospitals, worldwide use with $2.5 – $5 million in total cover.
The best choice for the Cruiser lifestyle – Bronze level coverage:
Cruisers choose this plan and benefit level due to the excellent emergency cover. Medevac and Hospitalisation are key considerations when you are circumnavigating the globe, the Bronze level plan offers $2.5 million in total cover and world class inpatient treatment in a facility of your choice. Bronze benefit level is also the least inexpensive option and can be purchased online with coverage starting immediately.
Example premiums for the Bronze level policy:
Annual premiums with annual deductible/excess:
Click here to get a quote for cruisers international health insurance now!
Ages are from 0 to 70 years and deductibles/excesses for $0 to $10,000.
Daily Cash Indemnity:
Another way to give yourself some peace of mind is to take out the cash indemnity add on, this is a great way to cover yourself for out of pocket expenses. In the case of hospitalisation you will be paid $100 dollars per day (per unit) with a limit of $25,000 for the year. For the extra premium of $100 dollars per unit with a maximum of 2 units you would be able to get some or all of your deductible back in the case of hospitalisation.
Choice of area:
ExpatUnderground cruisers health insurance offers three areas of geographical cover, Area 1 (Europe only), Area 2 (Worldwide excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan) and Area 3 (Worldwide).
If you choose EU cruisers health insurance Area 1 you will be covered in Europe only including areas of eastern Europe (great for Mediterranean adventures), Area 2 you will be covered everywhere except the aforementioned exclusions and Area 3 will cover you the world over including up to 6 months per year in the USA. All geographical areas will give you out of area emergency coverage for up to two weeks with the Bronze benefit level and 30 days for other benefit levels.
Eligibility:
For the Bronze benefit level there are no physicals required for Silver, Gold, Gold Plus and Platinum applicants 55 years and over you must have had a physical with in the last 2 years accompanied by a letter from your Doctor confirming your state of health. In the letter there should be a description of any pre-existing conditions and information on the type, levels usage requirements of medication that you are advised to take.
Applicants with US citizenship:
- You must be outside of the USA the day your plan starts, some applicants take a day trip across the border on the day they want to apply.
- Postal address can be in the USA (except Florida) if you sign a declaration saying you are a member of a yacht crew.
- With area 3 (Worldwide) you are covered in the USA for up to 6 months per year, meaning that you must be outside of the USA for at least 6 months of the insurance period.
- PPO (preferred provider organisation) network in the USA has over 4500 medical facilities that accept direct payment from the insurance administrator. As your plan offers you hospital of choice you will always be well covered.
The products that we suggest to our Cruisers are the following:
- GlobalFusion (Recommended by Expat Underground)
Alternatives,
Click here to get a quote for cruisers international health insurance now!