Insurance for yacht crew is a patchwork: some cover comes with the boat, some with your flag state, and some you need to arrange yourself.
What the vessel usually covers
Medical treatment while signed on, repatriation, and injury at work are typically the employer’s responsibility under MLC. The gaps appear the day you step off the passerelle.
What to arrange yourself
- Income protection that pays out wherever you are resident
- Private medical cover for leave periods
- Life cover sized to any mortgage you hold
