Clients · Cruisers & liveaboards

Health cover for life on a boat

For cruisers and liveaboard sailors in the Bahamas, the Caribbean and beyond.

Why most plans stop at the dock

US plans stay in the US

Most Florida health plans pay for routine care in the US only, and often only in network. An island clinic is usually out.

Marketplace plans need a US home

ACA plans are built for people living in their state, not for sailors spending the season down island.

Travel insurance runs out

Trip policies are made for a two week holiday. They aren't meant for a season, let alone a life aboard.

What good cover looks like

Worldwide, with or without the US

Choose an area of cover that matches where you actually sail. Leaving out the US brings the price down.

Medical evacuation

Transport from a remote anchorage to the nearest hospital that can treat you.

Repatriation

Getting you home for treatment when that's the right call.

A deductible that suits you

Pay small bills yourself and keep the premium low, or pay more for fuller cover.

Clear terms on your history

Know before you buy how any pre-existing condition will be treated.

Care when you're back in Florida

Hurricane season ashore needs thinking about too. Princess will plan for both halves of your year.

What Princess will ask you

Six questions, usually one conversation. Have these to hand and she can compare plans the same day.

Where you cruise, and for how long each year
Your age, and who else is aboard
Your nationality and country of residence
Any medical history worth knowing about
Whether you want cover in the US
Your budget and preferred deductible

Questions cruisers ask

Can I get cover if I don't live in the US?

Yes. International plans are designed for people who live outside their home country or move between countries. Princess checks which plans accept your nationality and residence.

Will it cover me in the Bahamas and the Caribbean?

You pick an area of cover when you buy. Princess makes sure every island on your route sits inside it.

What if I need evacuating from a remote anchorage?

Most international plans include evacuation to the nearest suitable hospital. Limits and conditions differ, so Princess compares them side by side.

I have a pre-existing condition. Can I still apply?

Often, yes. Some plans cover it after a waiting period, some exclude it, some charge more. Princess will tell you plainly which is which.

Can I pay monthly?

Many carriers offer monthly, quarterly or annual payment. Annual is usually the better price.

Can Princess help if I need to claim?

Yes. Message her first. She'll tell you what the carrier needs and follow it through with them.

Tell Princess where you're sailing

She'll come back with plans that cover your route, in plain language.

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