Cruisers

Cruisers Health Insurance

ProtExPlan has circumnavigators covered all over the world. Cruisers are no different than other expats needing international medical insurance except they are mobile, tend to be in more remote locations, and are very self sufficient and knowledgeable about things medical. We have yet to meet a hypochondriac cruiser!

ProtExPlan Options Most Popular:

Cruisers tend to choose our Silver benefit level offering outpatient benefits with a $500 deductible, or the Bronze hospital benefit level with a range from a $1000 to a $5000 deductible. The key thing cruisers like is the high deductible options offered to $10,000, please go to the policy options page to view premiums.

Special Considerations for Applicants Age 55 or Older:

You must have had a physical within the last year and provide a letter from your Doctor saying that you are fit. If you are declaring any pre-existing conditions, the letter should explain these as well as the type, dosage, and frequency of any medication you take.

Application 30 Day Window:

Your signature on the application must be within 30 days of the start date, otherwise it will not be accepted, please send us the application within this time window.

Special Considerations for US Cruisers:

1. Commencement:

US insurance law requires us to start the policy the day you depart the USA. This is sometimes a problem for Cruisers starting their voyage in the USA. A classic case might be a vessel departing New York for the Caribbean via the Intracoastal Waterway. We can’t start the policy until you leave the USA. Once you leave the USA you can return for 6 months per year. Another example might be a yacht departing Oregon for Alaska or Mexico; we can’t start the policy for a few weeks until you enter foreign waters. You will be required to provide an initial itinerary and the name of your vessel.

2. Maintaining a US Mail forwarding address:

We have a special form to complete declaring you are recreational yacht crew in order to have a US mail forwarding address. Under normal circumstances you must have a residential address outside of the USA for this policy to comply with US insurance law. This declaration enables us to waive that requirement for cruisers.