Medical Problem in Canadian Waters

Medical Problem in Canadian Waters

Postby jglabrown » Mon Nov 30, 2015 7:52 pm

Recently the subject of medical coverage for US citizens boating in Canadian waters came up. I'm over 65 so Medicare's Supplement F covers me for 80%. My wife, however, won't be eligible for Medicare for a few years yet and policies available in Washington State don't cover out-of-country travel. Trip insurance is available but lost bags, missed connections, etc don't really apply to those of us who slug along at 9 knots (or so) on our own boats. In the past, we might not have worried, but little things like cancer and heart stuff have shown us it can be a very expensive world out there.

For those of you under the age of 65 who can spend time exploring Canada (or Mexico, for that matter) what do you do about insurance? (don't say "nothing" because we've been down that road before, to our detriment).
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Postby Landfall » Tue Dec 01, 2015 12:47 pm

Divers alert network is great for emergencies. Only know one person who needed it, but they were extremely pleased with the service.
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Postby jglabrown » Tue Dec 01, 2015 3:00 pm

This tune is beginning to sound familiar: "Not Available in Washington State". Thanks for the tip, though. DAN is a great organization.
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Postby Bob Lowe » Tue Dec 01, 2015 3:12 pm

You may be able to get international health or emergency coverage within your yacht or boat policy. Worth checking out.

You might also find something in this list.

https://duckduckgo.com/?q=international ... +insurance
Good luck,
Bob Lowe
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Postby jglabrown » Tue Dec 01, 2015 11:18 pm

Bob, thanks for the duckduck. Once again, most of the policies are not offered in Washington; however, a couple (IMG and Bupa) seem to be what we need. We'll research them more, of course, but, again, thanks for the advice.

One hour later: both of those have one-star ratings. We'll keep looking.
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Postby JP » Wed Dec 02, 2015 1:05 am

You might try USAA, 800-531-8111. If not eligible for membership, they might help you thru their General Agency, or refer you to something useful.
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Postby jglabrown » Wed Dec 02, 2015 5:00 pm

My wife has Assurant purchased through USAA. They no longer are in the health insurance business as of 2016, but we're fine now since Premera will cover out-of-country medical as part of a full policy. It's been quite interesting researching the various international travel health companies: a lot of them look great until you take a peek at their ratings and find that the one's that seem to be the best are also the one's who don't pay. Thanks for your help, all. We're set now.
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