melandnick
New member
Hi, we are soon to be live aboards leaving in May to do the Altantic circuit over about 18 months. Does anyone know of a good value health insurance provider who will insure us whilst cruising? Many thanks, Nick and Mel
Is the twelve mile, or whatever, limit really an issue?
My view is that most medical issues are not potentially life threatening and will present a reasonable opportunity to seek out appropriate care. Something that is serious and in need of immediate response is not going to get it at sea, even 5 miles out, without resorting to the emergency services available, wherever you are. Heart attack, serious injury and other traumas at sea would almost always require specialist rescue services and I have never heard of one that requires to see medical insurance of proof of ability to pay before responding.
Anything not requiring immediate evacuation could only ever be dealt with by returning to land, at which point the insurer would resume cover.
Paul
How authoritative is your check?It would probably be an issue if at any time during the period of insurance,you had been more than 12 miles offshore.The 12 mile limit is applied in order to determine the type of sailing you are doing.
So for instance, if you took out the insurance in the UK and sailed to Scandinavia,or even over the pond,and made a claim in that country,your claim would be thrown out,as you obviously had been over the limit.
I did check this out.
I think the significance of the 12 miles is that it defines the insurance as covering sailing ancillary to holiday travel as opposed to voyaging in a small yacht. If you get into severe trouble at sea and need evacuating, the emergency services or another vessel will be needed - and I am not sure where they stand with regard to claining from you or your insurance.
Isn't that boat insurance rather than health insurance?
How authoritative is your check?
It seems unreasonable. If you went on holiday and did not take out extra insurance for ski-ing, but went ski-ing, would that mean that you would not be covered for an accident on the beach later in the holiday?
When sailing from Sicily to Greece we were outside the territorial limit of the policy for a few hours but it seemed a reasonable assumption, based on a close reading of the policy, that we were covered once we arrived.
It would probably be an issue if at any time during the period of insurance,you had been more than 12 miles offshore.The 12 mile limit is applied in order to determine the type of sailing you are doing.
So for instance, if you took out the insurance in the UK and sailed to Scandinavia,or even over the pond,and made a claim in that country,your claim would be thrown out,as you obviously had been over the limit.
I did check this out.