Yacht Crew Insurance for individuals
Finding reliable yacht crew insurance that truly protects you worldwide can be challenging. As a professional marine crew member, your career has no geographic limits — and your health insurance shouldn’t either. Whether you’re crossing the Atlantic, island-hopping in the Caribbean, or docked in the Mediterranean, you need comprehensive international yacht crew health insurance that travels with you. Working onboard a yacht comes with unique risks, from onboard accidents to medical emergencies in foreign ports. Protect your career, your income, and your health with specialized marine crew medical insurance designed specifically for the yachting industry.
Global Coverage & Caring Assistance
The professional yacht crew needs dependable coverage worldwide, that’s tailored to their needs and the yachts program.
Yacht Crew Insurance for Groups
Global yacht crew Group Medical policies cover all crew members working on the yacht and on their leisure time.
The group insurance plan commonly acts primary to the vessel’s Protection & Indemnity insurance, (P & I), and covers for both accidents and illnesses. However, the P & I insurance is not a major medical insurance plan that offers coverage for both accidents and illnesses worldwide, and it is in the owner’s best interest to offer health insurance for the crew. It reduces the liability, and has a positive impact on the P & I insurance, since medical claims will be filed directly to the health insurance company. Some policies also cover alcohol related claims which is imperative, as there have been many accidents in the past years.
The group plan is easy to administer, and very affordable! As the crew members change on the yacht, the new crew member can be easily added on to the group plan, and the crew member who left the yacht, can be taken off. The crew member who no longer is working on the yacht is now eligible to apply for the individual crew major medical plan.
The group medical plan is a great solution mainly for the larger vessels with crew of five and more. Everybody gets automatically accepted on the group plan, whether you have a medical condition or not. You can add a dental plan to expand the coverage as well.
Worldwide Yacht Crew Insurance Coverage – USA, Canada, Europe, Australia & Beyond
We provide specialized yacht crew insurance coverage for professional marine crew who are citizens and residents of key international regions, ensuring they are fully protected wherever their careers take them worldwide.
Our plans are designed for yacht crew from the United States, Canada, Australia, South Africa, the United Kingdom, Sweden, France, Spain, Croatia, and Mexico. Coverage is not limited to where a yacht is flagged or sailing — it follows the crew member globally, both on and off the vessel.
For example, U.S. crew members working seasonal rotations between South Florida, the U.S. East Coast, the Bahamas, the Caribbean, the Mediterranean, Hawaii, or the South Pacific remain continuously covered.
Likewise, crew from Canada, Australia, South Africa, and across Europe benefit from flexible medical insurance that adapts to freelance contracts, dual-season programs, and full onboard team placements.
Many yachts operate dual seasons — Caribbean and Bahamas in winter, Mediterranean in summer — and our policies are built to move seamlessly between hemispheres and cruising grounds without interruption.
No matter where assignments lead — whether Mediterranean crossings, Atlantic passages, Pacific voyages, or coastal operations — our yacht crew insurance provides consistent, reliable worldwide medical coverage.
We understand the realities of life at sea and design our plans to protect crew globally, regardless of where they are working.
FAQ
Find Out Answers Here
All three are medical charges you must pay out of your own pocket, even if you have insurance. Your deductible, or excess is the initial amount you must pay each year for covered health services before your insurer will start to pay.
A copayment is a fixed amount, or fee, that you pay toward a medical service, such as $30 for a doctor visit, or $10 for a prescription. Coinsurance is a cost-sharing feature between you and the insurance company. It’s a percentage, usually 80/20. The insurance company pays 80% and you pay 20% toward the medical bills, AFTER the deductible has been met. Plans often have this feature in the U.S., due to the high medical costs. Outside the U.S., the same plans can pay 100% of the bills after the deductible.
Worldwide crew health insurance provides crew members with both routine and emergency healthcare and features great flexibility to cater to the marine industry for extended periods of time. Global crew medical insurance plans cover inside and outside of the individuals home country.
Yes, global crew medical insurance plans give you access to healthcare all over the world, inside and outside of the U.S. Certain plans give you a choice to EXCLUDE coverage inside the U.S., if you don’t need it and the premium will therefore be less. Please review your insurance plan offerings.
