BE­FORE YOU B U Y

Cruising World - - Wide-Bottom Racing -

Check to see what your credit cards or other in­sur­ance poli­cies (such as life or health) cover in terms of travel and/or ill­ness while out­side the United States or your home area. You might only need to pur­chase sup­ple­men­tal cov­er­age from an­other in­surer.

When re­search­ing com- pa­nies, seek specifics, and if pos­si­ble, re­quest a sam­ple (or thor­ough sum­mary) of the ac­tual pol­icy be­fore you buy. Be sure to read the fine print! If you have ques­tions, make sure they’re an­swered to your sat­is­fac­tion by a qual­i­fied agent.

Be sure to ask if the com­pany has any re­stric­tions on sail­ing va­ca­tions. (Some com­pa­nies don’t cover cer­tain sport­sre­lated travel.) If you have a pre-ex­ist­ing con­di­tion, ask if any in­ci­dent that hap­pens as a re­sult of that con­di­tion will be cov­ered while you’re trav­el­ing.

Ask if the com­pany has a 24/7 hot­line help num­ber. If you’re faced with a travel or med­i­cal is­sue, this is an ex­cel­lent ser­vice to have.

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