The Dalai Lama, when asked what surprised him most about humanity, said:
“Man.
Because he sacrifices his health in order to make money.
Then he sacrifices money to recuperate his health.
And then he is so anxious about the future that he does not enjoy the present;
the result being that he does not live in the present or the future;
he lives as if he is never going to die, and then dies having never really lived.”
We’re taking his words to heart.
Although we wholeheartedly endorse the Dalai Lama’s wisdom, we (and our parents) also value the peace of mind of at least a minimum coverage of health insurance. We are considering some high deductible, catastrophic event policies and are hoping to glean some knowledge from other cruisers or expatriates. Any experiences with the Mexico health care system, opinions on the need for US insurance and any other additional wisdom would be greatly appreciated .
Look up IMG. They cover you for international medical care and medical care in the States too, as long as you spend at least six months out of the US in a calendar year. We’ve had it the whole time, but have never used it. Medical care in Mexico is extremely efficient, excellent, and cheap. Teeth cleanings $40, mammograms $120, check-ups $35. All excellent. Bigger cities have more modern, US-like settings and so it costs a little more. You still find good care in the smaller towns, just not as good equipment.
Laura
Thanks Laura!
IMG Travel Insurance is one of the 2 companies we are comparing. Our assumption was exactly that – that routine medical care we would likely pay out of pocket and only get major medical/evacuation coverage for something serious. Thanks for confirming this. It’s great to hear that you’ve never actually had to use it too!
Katie and Mark
We just started IMG this month. We got the highest deductible and one million coverage. That cost us $1000 for the entire year. Keep in mind that if you get 3 months or less you can’t easily renew if you get a prexisting condition while on their coverage. So longer is better. And cheaper.
Mostly it’s for peace of mind. I’m a bit of a worry wart…
Go to Panama or Hawaii its free 🙂
Yeah! Glad to see you here Alan!
Remember, the second you closed on the boat the adventure began. You guys have allot of work to do but its all fun. I spent 798 days in the boat yeard completely rebuilding s/v Roo my old Allegra 24, those were some of the happiest days of my life. These days I work on the boat as I sail, get her sea worthy and do the rest as you voyage. 🙂
Lulu and I are cruising Mexico without health insurance. Foolish maybe but it’s either that or spend half our income on health insurance. We pay as we go for health care. So far everything we’ve had done, which hasn’t been very much, has been totally affordable. Prescription drugs are quite cheap. Dental care has also been very reasonable although we haven’t had to have anything more than cleaning and check-ups.
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