Yacht Crew Health Insurance Plan Primer

Marine adventures are a fun way to explore the world and experience new cultures at your own leisure. When planning your maritime vacation, it's important to make sure that you and your crew are protected from unexpected emergencies, illness and injury. Purchasing yacht crew insurance prior to departure is the best way to protect yourself and your crew.

If you are a US citizen, you may not receive coverage when travelling abroad from the same insurance plan that covers you when you are in the US. Additionally, government-sponsored coverage for non-US citizens travelling outside of their home country may not offer enough protection. When you travel within your pre-selected coverage area, you will be protected if you purchase an international yacht crew plan.

Coverage areas for these types of plans are divided into two regions: Worldwide coverage that includes the US and Canada, and coverage that does not include the US and Canada. By purchasing marine crew insurance, you will receive coverage for a number of health services, including hospital stays, emergency care and prescription costs.

Deductibles range from $250 per insured person, and up to $5000 for these types of plans. A maximum limit of $5,000,000 is available per insured person's lifetime. Expensive medical services like emergency medical evacuation, maternity care and other similar services can also be included in yacht crew health insurance plans.

Members are eligible for wellness coverage, depending on the plan that is selected, after one continuous year of marine crew health insurance. Members under 19 years of age can visit the doctor for $50 per visit with wellness benefits, while members who are least 30 years old can receive up to $250 in coverage. Routine doctor visits and medical services are the intended use of wellness benefits.

When signing up for marine crew health insurance, make sure to disclose any pre-existing medical conditions on your application form. Pre-existing conditions include any injury, illness or mental health disorder or chronic condition that existed prior to submitting your application. Not disclosing these conditions will result in a denial of benefits should you need medical treatment for them during your trip.

Additional services outside of medical coverage are sometimes included in marine crew insurance. Assistance with tracking lost baggage, emergency cash transfers and referrals for legal services are valuable services provided with these types of plans.

Before you set sail, be sure that you are prepared with a marine crew insurance plan. The value that you will receive from the plan makes it well-worth the cost for anyone who will be travelling outside of their home country.

Dan Miller likes to write about yacht crew health insurance

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