I was prepping for the Great Loop and a winter in the Exumas. My standard Geico policy had a navigation limit of “US Coastal Waters.” I asked for a Bahamas extension. They offered a temporary rider for $200. I wondered if that was enough coverage for a 3-month offshore trip.
Key Takeaways
- Rider vs. Cruising Policy: A “Rider” (endorsement) on a coastal policy is a band-aid. It extends your area, but the underlying policy might lack offshore features (like high-limit towing, search and rescue, or international liability).
- Jackline (Markel) & Pantaenius: These are the gold standards for cruisers.
- Jackline: Excellent for US citizens cruising the Caribbean. Understands the lifestyle.
- Pantaenius: European roots, incredible “Agreed Value” terms (no depreciation on parts).
- The “Named Windstorm” Box: Cruising policies have strict “Boxes” (lat/long coordinates) where you cannot be during hurricane season (June 1 – Nov 1). If you are in the box, you have no wind coverage.
- Liability in Foreign Courts: If you hit a boat in Nassau, you need liability coverage that is recognized by Bahamian courts. Standard US policies might struggle here.
The “Why” (The Trap)
The trap is “Implied Warranties.”
Coastal policies assume you are near US Coast Guard help. Offshore policies assume you are on your own.
If your engine dies in the Exumas, a standard policy might pay $500 for towing. A tow from Staniel Cay to Nassau costs $3,000. You need a policy with higher limits.
The Investigation (I Compared Policies)
I looked at a 45ft Trawler going to the Bahamas.
Geico Marine (Standard)
- Bahamas Endorsement: Available.
- Towing: BoatUS membership works, but limits apply.
- Parts: Depreciated.
Markel Jackline
- Coverage: Agreed Value.
- Crew: Includes paid crew coverage options.
- Towing: Higher limits included.
- Medical: Better coverage for air evacuation.
Pantaenius
- Coverage: “Fixed Agreed Value” (Gap coverage). No new-for-old deduction on repairs.
- Cost: Highest premium, best coverage.
Comparison Table
| Feature | Standard + Rider | Jackline / Pantaenius |
| Navigation Area | Specific Trip | Broad (e.g., Atlantic) |
| Depreciation on Repairs | Yes (ACV) | No (New for Old) |
| Hurricane Box | Varies | Strict defined box |
| Search & Rescue | Minimal | High Limits |
Step-by-Step Action Plan
- Check Your Dates: Do not plan to be in the Bahamas after June 1 unless your policy explicitly allows it (most don’t).
- Upgrade for the Trip: If going for >2 weeks, switch to a Jackline policy. The peace of mind regarding medical evac and parts replacement is worth it.
- Print the Liability Page: You need physical proof of insurance to clear Customs in some islands.
- [IMAGE: Map of the Bahamas showing the typical ‘Navigation Limit’ line]
- Confirm Towing: Upgrade your BoatUS/SeaTow to the highest level, and check if it applies internationally.
FAQ
Does Medicare work in the Bahamas?
No. You need the Medical Payments / Evacuation coverage on your boat policy.
What if I go to Cuba?
Still mostly uninsurable for US citizens due to sanctions. Check current 2026 OFAC rules.