Where are they now?  Cruising Tips and Advice  Newsflash - Latest Pardey news  Lin & Larry bios  Browse and buy Pardey Books!  Browse and buy Pardey Videos  Checkout  Home Page
 

 

2009
Keeping Costs in Control
Finding Your Boat in the Dark
Instrument Assisted Grounding
Limited Power of Attorney
Structural Adhesives for Boat Building
Lyle Hess Plans: Change of Address
Source for Bu-Ord parachutes for Para-anchor Usage
Writing and Cruising
Children and Cruising

2008
No Marina Shower
Pro-Active Insurance
Better Folding Water Jugs
Reinforced Tradewinds
Bilge Pump Outlet
Floating Plastic Waste
Mast Failure
Signing Off Before You Set Sail

2007
Ship's Library
Maintaining Varnished Surfaces
Have epoxy adhesives improved recently?
Series Drogues: Can They Work Like a Para-anchor?
Efficient Tool Drawers For Cruising Boats
Make Your Boat Unstoppable
Open Roadsteads
Storm Trysails
Lyle Hess Designs
What Does Cruising Cost?

2006
Navigation Warning
Quick Fix in Island Studded Waters
Things I've learned at sea
Winterizing Varnished Timber
Para-Anchor Source
Sea Boots
Preventing Rigging Failures at Sea
What about holding tanks?

2005
Ventilation Assisting
Companionway Board

I hate systems!
Seacocks & Through Hull Fittings
Galley Sink Cutting Board
Fail-proof Turnbuckle Lock

Special provisions
Email Contact-Beware
Folding Lifeboat Note

2004
Plated Plugs
When Radar Doesn't Work

Perfect Cruisers Cookware
Removing Stains From Wood

Ships Medical Library
WARNING:Spectra Lines

New To Oysters
More on Cookware

Storage tips
A Space Conscious Knife Rack

Double Duty Locker Door
Washing Line

2003
Life Rafts
Medical Insurance
Cash & Carry
Preserving Butter
Chilean Canals
Beeswax!
Powdered Eggs
Save Your Fingers

2002
Beware of White!
Ice Buckets

Leftover Fillet
Extra Veggie Storage
Protect Your Lines

Clink prevention
Easier Shopping

Assist Masthead Maintenance
Health Insurance
Electricians & Alloy
Affordable Security
Proper Sea-Cocks
Tips from Larry's Workshop
Travel Insurance
Variable Destination Navigation

2001
Anti-prop stop reminders
Sail Covers
Shake down sail
The Port Stick

Poor Mans A/C
Stern Anchor Stowage
Spinnaker pole storage

Water in your fuel
Egg Carriers
European Duties

2000
Natural Sandpaper
Deoderize kerosene
Waterproof adhesive
Ready Crisp Bacon

Visas
Boat Tie Shoes

Easier Screwing
Miracle Product

Swageless end fittings
Quick Hot Soup

1999
Night Vision Glasses
Marine Metal Detector
Kitchen Helpers
The "watch" watch


Browse a category

August 2002

Health Insurance

  For most of our cruising life we felt comfortable carrying no health insurance for several reasons, first, it is an amazingly healthy lifestyle, as we are usually away from the crowds that carry contagious diseases, have far less unmanageable stress and we don't spend much time driving on freeways during rush hour. Second, medical costs in foreign countries are usually far lower than in the US. (Larry had a terigium removed from his eye by a highly recommended doctor working at a fine facility in Cape Town at a total cost of $330.US in l995) Third, until recently, health insurance for people like us who traveled constantly outside their own country was almost non-existent. But, as we near the golden ages (58 and 62) the chance of medical problems being of catastrophic proportions (cost wise) increases. Also, we intend to spend more time in more advanced countries where medical costs can be quite high. Therefore we began researching what we call, catastrophe medical insurance. We are willing to carry a quite high deductible (excess) and cover the first $5,000 of medical expenses in any year. But want something to cover the "big one". Fortunately we talked with Beth Leonard about this and read the story she put in Blue Water magazine in June. We looked up the various insurance programs she mentioned and compared them, then looked at each of the insurance programs listed on the SSCA web site under links of interest to cruisers (www.ssca.com). The two programs that let us voyage year round, visit the US for up to six months in a year and be covered well are the International Citizens Series Platinum Health Plan underwritten by Multinational Underwriters Inc. and offered by several agencies, or the Lifeboat Medical Insurance World Health Insurance underwritten by Specialty Risk International. We chose the Lifeboat plan through www.lifeboatmedical.com, offered by Kuffel, Collimore &Co. because it has organized a type of group coverage for Charter boat crews in the Caribbean and allows other sailors to join that group for $25.00 a year. This gives you a discount of almost 25% over the non-group cost. Total price, $2,700 a year for up to $5,000,000 coverage including medivac. For younger folks, the price is far lower. Over to you, but please read all fine print carefully.

 

Pardey Mailing List
Get email notice of all Pardey updates!
 Email  
To unsubscribe: use the link at the bottom of our mailings or email unsubscribe@landlpardey.com
Back to Top
Contact Information | Search |Where Are They? | Cruising Tips | Books | Videos
 

- Paracay.com links -
Contact Information | Search |Cart Contents | Checkout | Shipping Details
© 2009 Lin & Larry Pardey and Paradise Cay Publications, Inc.