Crew Insurance


VIPCA is proud to offer a comprehensive, creditable health plan to active, VIPCA Crew Members

"I have been exceptionally pleased with my medical and yacht insurance with Gowrie Group.  They have always been friendly and quick to respond. Thank you coming into this Market! We needed you in the Virgin Islands!" -Staci Kosick

This health insurance program is underwritten by IMG and managed by the insurance experts at Gowrie Group. IMG provides global benefits and assistance services to millions of members in almost every country of the world. With 24/7 medical management services, multilingual claims administrators and highly trained customer service professionals, this health insurance plan brings VIPCA members the products they need, backed by the service they deserve.


How to enrol:

First Step:

Are you...

  • A professional charter crew / chef / deckhand?
  • A professional charter captain?
  • A professional charter vessel owner or charter business owner (you must verify that you qualify first)?

If YES then move to the Second Step:

Are you interested in the VIPCA Health Insurance Program Highlights?

  • Worldwide coverage
  • Coverage in United States
  • Two plans to choose from
  • Up to $5,000,000 Per Policy Year limit
  • Monthly Credit Cards or EFT deductions
  • Waiver of Pre-Ex w/ Creditable Coverage
  • Download Summary of Benefits

To help with ease at claims we would like to remind insureds to submit to Gowrie Group evidence of previous insurance coverage from their previous carrier: insurance coverage of preexisting conditions were previous coverage not to have existed may be covered for 12 months.

If YES then move to the Third Step:

For more information visit VIPCA's office within Charter Caribe, upstairs in American Yacht Harbor: 6100 Red Hook QTRS STE E-21, St. Thomas, VI 00802-1344  


Contact Gowrie Group’s VIPCA Team:

Tip: Health insurance is more affordable when crew who are also spouses are on independent policies.

Notes: Creditable cover will be granted within a two to three week window of submitting your application. Submitting an application does not guarantee automatic medical coverage. In order to qualify for this program you have to be an active member of VIPCA. Questions:,,