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	<title>SetSail &#187; Tech Talk</title>
	<atom:link href="http://setsail.com/category/tech-talk/feed/" rel="self" type="application/rss+xml" />
	<link>http://setsail.com</link>
	<description>A New Paradigm for Cruising</description>
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		<title>Oil Filter Leak</title>
		<link>http://setsail.com/oil-filter-leak/</link>
		<comments>http://setsail.com/oil-filter-leak/#comments</comments>
		<pubDate>Thu, 14 May 2009 09:35:41 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/oil-filter-leak/</guid>
		<description><![CDATA[The last couple of days we have had a small oil leak on the port engine. Not much &#8211; what you see above is after six hours of running &#8211; but we wanted to find the source before proceeding.A careful check lead us to oil filter cartridge. Not the gasket as you would normally assume. [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><img height="400" alt="J-Deere-Oil-Filter-Leak" src="http://setsail.com/wp-content/uploads/2009/05/j-deere-oil-filter-leak.jpg" width="600" /></p>
<p>The last couple of days we have had a small oil leak on the port engine. Not much &#8211; what you see above is after six hours of running &#8211; but we wanted to find the source before proceeding.</p><span id="more-5312"></span><p>A careful check lead us to oil filter cartridge. Not the gasket as you would normally assume. But a pin hole in the bottom. We have eight of these filters in inventory. Hopefully this is an isolated incident.</p>
<p>A note on changing cartridge filters. These usually have an O-ring or lip seal and it is best to wipe a film of oil onto these before hand tightening the cartridge.</p>]]></content:encoded>
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		<title>Ultimate Thermostat Solution</title>
		<link>http://setsail.com/ultimate-thermostat-solution/</link>
		<comments>http://setsail.com/ultimate-thermostat-solution/#comments</comments>
		<pubDate>Fri, 08 May 2009 11:45:04 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/ultimate-thermostat-solution/</guid>
		<description><![CDATA[We&#8217;ve been using a digital programmable thermostat to control our diesel boiler. This allows us to program four different set of time and temperature during the day. Our sleeping cabin is kept cold during the day, turns the heat on an hour before bed time, and goes to low heat (but still on) until morning, [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><img height="576" alt="T-Stat-mods-Norway" src="http://setsail.com/wp-content/uploads/2009/05/t-stat-mods-norway.jpg" width="253" /></p>
<p>We&#8217;ve been using a digital programmable thermostat to control our diesel boiler. This allows us to program four different set of time and temperature during the day. Our sleeping cabin is kept cold during the day, turns the heat on an hour before bed time, and goes to low heat (but still on) until morning, when we are programmed to warm up just a bit.</p><span id="more-5252"></span><p>The salon is just the opposite. At night it is set to very cool, comes on during early morning hours, and turns down during the afternoon.</p>
<p>The problem with the salon is that if we are underway we want more heat at night. So, we have to reprogram the T-stat, and then put it back to where it was once our passage is over.</p>
<p>Now we  have a better solution. The smaller analog  thermostat below the digital model is wired in parallel. If the analog  unit is turned off, as shown here, the digital T-stat controls. If we want more heat the analog unit is turned up and takes over.</p>
<p>Close observers will note exposed wiring. We have not yet drilled an extra hole in our lovely timber. We want to use this for a few weeks and make sure we like the concept.</p>]]></content:encoded>
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		<title>How Big Should Your Anchor Be?</title>
		<link>http://setsail.com/how-big-should-your-anchor-be/</link>
		<comments>http://setsail.com/how-big-should-your-anchor-be/#comments</comments>
		<pubDate>Fri, 08 May 2009 11:31:42 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/how-big-should-your-anchor-be/</guid>
		<description><![CDATA[We submit the photo above as a baseline for thinking about anchor size. We are ensconced in Vikingevagen, Norway. A tight, protected anchorage. Water depth is 40 feet (12m) and the barometer is plunging. It is gusting 40 knots, and the granite shore is 150 feet (45m) off our stern. This is not a situation [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><img height="384" alt="Big-anchors-are-good-1" src="http://setsail.com/wp-content/uploads/2009/05/big-anchors-are-good-1.jpg" width="576" /></p>
<p>We submit the photo above as a baseline for thinking about anchor size. We are ensconced in Vikingevagen, Norway. A tight, protected anchorage. Water depth is 40 feet (12m) and the barometer is plunging. It is gusting 40 knots, and the granite shore is 150 feet (45m) off our stern. This is not a situation in which you want to worry about anchor size.</p>
<p>So, how big an anchor is right?</p><span id="more-5250"></span><p>This is a tough calculation. Typical tables published by anchor suppliers or organizations like NMMA are a joke. They assume good holding, and moderate, protected anchorages. Our basic rule has been to use a multiple of what would be considered a storm anchor.</p>
<p>This pays dividends in every day use allowing you to anchor with much shorter scope</p>
<p>At the risk of repeating ourselves (this topic is covered in great detail in our books), and using one of the new generation highly efficient hooks like the Rocna, Spade, or Bruegel, we would carry the following:</p>
<ul>
<li>
<div>Sundeer 56/60 &#8211; 110lb/50kg</div></li>
<li>
<div>Sundeer 64/68 &#8211; 176lb/80kg</div></li>
<li>
<div>Beowulf 80 &#8211; 240lb/110kg</div></li>
<li>
<div>For yachts in the 40 to 50 foot range &#8211; 80lb/38kg</div></li>
<li>
<div>For yachts in the 30 to 40 foot range &#8211; 60lb/28kg</div></li></ul>
<p>This assumes a chain rode.</p>]]></content:encoded>
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		<title>Using Radar in Traffic</title>
		<link>http://setsail.com/using-radar-in-traffic/</link>
		<comments>http://setsail.com/using-radar-in-traffic/#comments</comments>
		<pubDate>Tue, 21 Apr 2009 02:31:52 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/using-radar-in-traffic/</guid>
		<description><![CDATA[Dave Snow, a Puget Sound sailor sent some excellent questions about our recent blog about crossing the English Channel. We&#8217;ll try and answer them here. To begin with, the radar is in one of its stabilized modes. In this particular case, the radar picture remains oriented in the direction of the latest update we have [...]]]></description>
			<content:encoded><![CDATA[<p>Dave Snow, a Puget Sound sailor sent some excellent questions about our recent blog about crossing the English Channel. We&#8217;ll try and answer them here.</p>
<p align="center"><img height="384" alt="channel cross-5a" src="http://setsail.com/wp-content/uploads/2009/04/channel-cross-5a-1.jpg" width="576" /></p><span id="more-4981"></span><p>To begin with, the radar is in one of its stabilized modes. In this particular case, the radar picture remains oriented in the direction of the latest update we have applied. If our heading remains the same, the course line stays pointed up. If our course changes from the last heading update, the course line projecting from the bow reflects this, and here we  are headed a few degree to port from the last update. It is an excellent quality control for the pilot. You are probably used to seeing the radar bearing ring numbers start at zero at the top but in this stabilized mode those numbers show the heading at the update point, and the true heading of any target relative to us. Stabilized headings typically show more accurate intercepts from AIS and ARPA, hence the use here.</p>
<p>AIS target &#8220;A&#8221; with the yellow highlight, has a hook on the end of its pointer at right angles to port. This hook (there is another a couple of ships back pointing to starboard) indicates the target is turning in that direction.</p>
<p>Some of the targets are not marked by ARPA. When we are in crowded waters we typically use just AIS, which is supposed to be more accurate and faster at updating. The radar will turn a target automatically into an ARPA symbol, but we leave this off unless we are well offshore.</p>
<p>The trail of dots behind the targets are a function we can turn on or off. The intervals are also controllable (i.e. 30 seconds or five minutes, etc.). They are helpful in figuring out what the target has been doing and maybe what it is going to next. You can do the same thing with trails, but this would be much too cluttered with all of these targets.</p>
<p>Now Dave&#8217;s tough question. With four vessels closely spaced what is our tactic for crossing, and how close is reasonable under these conditions? First, our preference is always to take the stern of targets. This eliminates problems from miscalculations or is there is a mechanical breakdown which might leave us in the path of one of the ships. If we are in open waters, we want to see a crossing vector of no less than two nautical miles if we are taking someone&#8217;s bow. But we are a twin engine power boat able to adjust speed up or down with ease. Under sail we&#8217;d want three or even four miles. Otherwise, we slow down and/or adjust course to take the ships stern.</p>
<p>But this situation is more complex. If we slow down and let this gaggle of ships through, we have a second pulse coming through right behind. Here we are trying to maintain a one mile separation of our vectors, but in reality this was down to a half a mile in several cases.</p>
<p>AIS is a great tool for dodging ships. But we still take visual bearings on the ships to make sure that the AIS (or ARPA) hasn&#8217;t developed a bug.</p>
<p>OK, back to the radar photo. We took the sterns of the first group of ships, then sped up to pass ahead of the third group to starboard just outside the fourth (eight mile) ring.</p>]]></content:encoded>
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		<title>Wireless Broadband &#8211; Maybe We&#8217;ve Found the Answer</title>
		<link>http://setsail.com/wireless-broadband-maybe-weve-found-the-answer/</link>
		<comments>http://setsail.com/wireless-broadband-maybe-weve-found-the-answer/#comments</comments>
		<pubDate>Mon, 20 Apr 2009 15:11:28 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/wireless-broadband-maybe-weve-found-the-answer/</guid>
		<description><![CDATA[You&#8217;d think London would be bristling with wifi options. There was good service in marinas from Falmouth to Southampton. But we&#8217;ve been bandwidth challenged in St. Katherine&#8217;s Docks. We see two pay to play wifi options with our high gain antenna and access point. Both &#8211; BT Open Zone and Something Wireless &#8211; are slow [...]]]></description>
			<content:encoded><![CDATA[<p>You&#8217;d think London would be bristling with wifi options. There was good service in marinas from Falmouth to Southampton. But we&#8217;ve been bandwidth challenged in St. Katherine&#8217;s Docks.</p>
<p>We see two pay to play wifi options with our high gain antenna and access point. Both &#8211; BT Open Zone and Something Wireless &#8211; are slow and of intermittent availability. We subscribed to both &#8211; roughly US$22. per month for each &#8211; so we had a choice.</p>
<p>But wait. It gets better.</p><span id="more-4977"></span><p>Then we learned about the O3 system. This is a 3G (phone) network with a stable connection and reasonable download speeds. You are required to purchase a USB dongle and SIM card for US$30. You then buy data capacity. 3 gigs of data for a month is US$22. This set up is significantly less than we were paying Verizon in the US and we are told there is good coverage throughout the UK. So far, with a week of Skype calls, web surfing, sending photos to magazines, and lots of e-mails we have used about 700Mb of data.</p>
<p>Now that we have the USB dongle we can purchase SIM cards for it wherever we are cruising with the 3G system (most of Europe and Scandinavia).</p>]]></content:encoded>
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		<title>High Modulus Dock Lines</title>
		<link>http://setsail.com/high-modulus-dock-lines/</link>
		<comments>http://setsail.com/high-modulus-dock-lines/#comments</comments>
		<pubDate>Sat, 18 Apr 2009 05:03:23 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/?p=4756</guid>
		<description><![CDATA[We have been using the same set of Yale Ropes high modulus dock lines coming onto four years now. These 11mm (7/16&#8243;) ropes are as strong as our normal 24mm (one inch) polyester, weigh a fraction of the latter, and are less prone to chafe. And they are obviously a lot easier to handle.When we [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><img style="WIDTH: 432px; HEIGHT: 222px" height="222" alt="high-modulus-dock-lines-21" hspace="0" src="http://setsail.com/wp-content/uploads/2009/04/high-modulus-dock-lines-21.jpg" width="432" align="middle" border="0" /></p>
<p>We have been using the same set of Yale Ropes high modulus dock lines coming onto four years now. These 11mm (7/16&#8243;) ropes are as strong as our normal 24mm (one inch) polyester, weigh a fraction of the latter, and are less prone to chafe. And they are obviously a lot easier to handle.</p><span id="more-4756"></span><p>When we started out with these we assumed that we&#8217;d use them to get the boat secured and then switch to heavier polyester. However, except for two situations, this has not been the case. The first is when we are in storage mode, leaving the boat for long periods of time. In this case there is no benefit to using the higher strength and more expensive cordage. The second is when docked with a surge. The high mod materials have little stretch and in some case transmit an uncomfortable snub to the boat. In both cases we switch to a &#8220;brait&#8221; style polyester.</p>
<p align="center"><img style="WIDTH: 432px; HEIGHT: 253px" height="253" alt="high-modulus-dock-lines-22" hspace="0" src="http://setsail.com/wp-content/uploads/2009/04/high-modulus-dock-lines-22.jpg" width="432" align="absmiddle" border="0" /></p>
<p align="center"><img height="119" alt="high-modulus-dock-lines-24" src="http://setsail.com/wp-content/uploads/2009/04/high-modulus-dock-lines-24.jpg" width="432" /></p>
<p>Take a look at the outer cover chafe above. This occurred during a fueling stop in Pango Pango, American Samoa in 2005. The edge of the fuel barge was sharp concrete, and the spring lines were laying across this surface with a four foot (1.2m) swell running under our hull. The polyester cover was damaged, but the inner high modulus material was barely affected. We are still using these dock lines.</p>
<p>If you are cruising on a yacht of 50 feet (15m) or more, high modulus dock lines may be worth considering.</p>
<p>A final point. We use bowlines for knots. These are left somewhat lose, as shown in the first photo. If a conventional tight bowline is employed we have found these work themselves tighter to the point where they can be impossible to untie.</p>]]></content:encoded>
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		<title>Warming the Bunk &#8211; Electric Blankets at Sea?</title>
		<link>http://setsail.com/warming-the-bunk-electric-blankets-at-sea/</link>
		<comments>http://setsail.com/warming-the-bunk-electric-blankets-at-sea/#comments</comments>
		<pubDate>Sat, 18 Apr 2009 04:25:34 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/warming-the-bunk-electric-blankets-at-sea/</guid>
		<description><![CDATA[Last summer in Greenland, with water temperature barely above freezing and air about the same, we decided to see how tough we were, and if we could sleep with the diesel heater turned off. A double dose of blankets did the trick. But the pain of warming the cool sheets at the beginning of our [...]]]></description>
			<content:encoded><![CDATA[<p>Last summer in Greenland, with water temperature barely above freezing and air about the same, we decided to see how tough we were, and if we could sleep with the diesel heater turned off.</p>
<p>A double dose of blankets did the trick. But the pain of warming the cool sheets at the beginning of our sojurn abed disuaded us from further experimentation.</p><span id="more-4752"></span><p align="center"><img height="441" alt="bed-warmer-11" src="http://setsail.com/wp-content/uploads/2009/04/bed-warmer-11-1.jpg" width="300" /></p>
<p>This year we decided to experiment with &#8211; now don&#8217;t laugh &#8211; a bed warmer. Not the familiar electric blanket, but something which goes between the bottom sheet and mattress pad.</p>
<p align="center"><img height="391" alt="bed-warmer-10" src="http://setsail.com/wp-content/uploads/2009/04/bed-warmer-10.jpg" width="600" /></p>
<p>We have been testing this device and are pleased to report it works really well. Ten to fifteen minutes after being turned on that painful chill has been removed from between the sheets, and our bed is pleasingly toasty.</p>
<p align="center"><img height="94" alt="bed-warmer-6" src="http://setsail.com/wp-content/uploads/2009/04/bed-warmer-6.jpg" width="468" /></p>
<p>&nbsp;</p>
<p>We are happy to tell you that power consumption is minimal &#8211; about 75 watts at the highest setting. If you assume this runs for 15 minutes, allowing for some inverter losses we are talking about something in the neighborhood of two or three amp hours of capacity in a 12 volt system. And the diesel heater stays off all night.</p>
<p>What&#8217;s next you might ask? Well, we have not solved the problem of the ice cold toilet seat&#8230;</p>]]></content:encoded>
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		<title>Genset Sound Shields &#8211; Good or Bad Idea?</title>
		<link>http://setsail.com/genset-sound-shields-good-or-bad-idea/</link>
		<comments>http://setsail.com/genset-sound-shields-good-or-bad-idea/#comments</comments>
		<pubDate>Fri, 10 Apr 2009 19:48:15 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/?p=2521</guid>
		<description><![CDATA[When we purchased the Northern Lights genset for Wind Horse it was only available at the time with a sound shield. Since we were paying for it we decided to give it a try. However, a hidden salt water leak and less than robust latches convinced us to leave off the side panels. We were [...]]]></description>
			<content:encoded><![CDATA[When we purchased  the Northern Lights genset for <em>Wind Horse</em> it was only available at the time with  a sound shield. Since we were paying for it we decided to give it a try.  However, a hidden salt water leak and less than robust latches convinced us to  leave off the side panels. We were not comfortable with having to remove the  side panels for routine inspection.
<p style="text-align: center;"><img class="alignnone size-full wp-image-2522" title="injection_elbow" src="http://setsail.com/wp-content/uploads/2009/04/injection_elbow.jpg" alt="injection_elbow" width="576" height="286" /></p>

<span id="more-2521"></span>

If you think think  this a bit paranoid we offer the photo above and below as evidence. This is the  salt water injection elbow on the exhaust where it exits the manifold. That  crack &#8211; apparently typical with smaller Northern Lights units &#8211; is directly over  the generator forward end cooling vents. This makes it easy for the rusty salt  water to mess with the generator windings.
<p style="text-align: center;"><img class="alignnone size-full wp-image-2537" title="injection_elbow-2" src="http://setsail.com/wp-content/uploads/2009/04/injection_elbow-2.jpg" alt="injection_elbow-2" width="576" height="286" /></p>

Because our side  panels were off, the leak showed up right away, and we were able to protect the  vent openings until we could get a replacement injection elbow.]]></content:encoded>
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		<title>Tips for Winter Yacht Storage</title>
		<link>http://setsail.com/winter-yacht-storage-tips/</link>
		<comments>http://setsail.com/winter-yacht-storage-tips/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 00:00:00 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

		<guid isPermaLink="false">http://setsail.com/?p=2330</guid>
		<description><![CDATA[Although we have left our boats in many parts of the world, this is the first time where we have had to consider sub-freezing temperatures. We talked to folks from various areas who live in these climates and received all sorts of advice, some of which was in conflict. Our concerns were the following: Avoid [...]]]></description>
			<content:encoded><![CDATA[<div class="mosimage" style="text-align: center;"><img title="Image" src="/images/stories/dashew/berhtons19.jpg" border="0" alt="Image" hspace="6" width="648" /></div>
Although we have left our boats in many parts of the world, this is the first time where we have had to consider sub-freezing temperatures. We talked to folks from various areas who live in these climates and received all sorts of advice, some of which was in conflict.

<span id="more-2330"></span>

Our concerns were the following:
<ul>
	<li>Avoid damage to the plumbing system and machinery from a prolonged freeze.</li>
	<li>Keep the humidity under control so there is no risk of mildew or mold growing.</li>
	<li>Maintain battery state of charge.</li>
	<li>Keep an eye on the freezers, which have a few items left over from last year.</li>
	<li>General security for the boat.</li>
</ul>
Berthon&#8217;s Boat Yard in Lymington, on the Solent in the UK is where we are hauled. They were recommended by several cruising friends and we have not been sorry we chose them. They assigned a project manager, Ian Stables, and as things come up, he is our point of contact.

To winterize the plumbing system we bought food-grade polypropylene glycol in bulk, mixed it four to one in a drum to give us antifreeze protection to zero F (-17C),and then pumped it into our domestic plumbing system. We also ran this through the bilge pumps, watermaker, engines, and genset, as well as the air conditioning and toilet systems.

In addition we rented three small heaters from Berthon&#8217;s, which are placed in the ends of the boat and salon. These have thermostats set to 40F (4C) and seem to be just enough to keep us above freezing during cold snaps.

We carry a home-style dehumidifier, which runs on 115VAC and 60 cycles. We were concerned with using it over the winter on 50 cycle power in the UK so picked up a local unit. This sits on the galley counter, empties through the sink, and shows a small wet stain on the topside indicating it is working. The dehumidifier is set to average 45% humidity (mold and mildew cannot grow below 55%).

Batteries are maintained by our Victron inverter/chargers. These hold a temperature compensated float voltage, and periodically kick up to a normal charge rate to keep the batteries fresh. Temperature compensation is particularly important with gel cell type batteries.

Berthon&#8217;s have hundreds of boats in storage and have a &#8220;valet&#8221; service to look after the boats. The regimen followed depends on Owner requirements. In our case, Simon Quinn, the valet manager, checks that the power connection is functioning, and once a week looks at our humidity meter, freezer temperatures, and verifies battery voltage. We would not be comfortable leaving the boat if we did not have someone trustworthy checking on her.

We&#8217;ll be back aboard towards the end of March and will report on how things have gone.]]></content:encoded>
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		<title>Answering a SetSailor&#8217;s Questions about Medical Insurance</title>
		<link>http://setsail.com/medical-insurance-for-cruisers/</link>
		<comments>http://setsail.com/medical-insurance-for-cruisers/#comments</comments>
		<pubDate>Mon, 28 Jul 2008 00:00:00 +0000</pubDate>
		<dc:creator>Steve Dashew</dc:creator>
				<category><![CDATA[Dashew Logs]]></category>
		<category><![CDATA[Tech Talk]]></category>

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		<description><![CDATA[At the request of a reader, Linda discusses how she handles health insurance while cruising, some new things she&#8217;s added to the medical kit, and her experiences getting health care in foreign countries. When we were circumnavigating in the late 70s and early 80s, we had no medical insurance. We were young and thankfully had [...]]]></description>
			<content:encoded><![CDATA[<div class="intro">At the request of a reader, Linda discusses how she handles health insurance while cruising, some new things she&#8217;s added to the medical kit, and her experiences getting health care in foreign countries.</div>
<span id="more-2257"></span>

When we were circumnavigating in the late 70s and early 80s, we had no medical insurance. We were young and thankfully had no medical problems pop up that couldn&#8217;t be dealt with easily. In the countries we visited we were able to seek medical attention and pay the same as the locals. This always amounted to less than what we would pay in the States. Steve was bitten by a falciparin malaria mosquito and was laid up in the hospital in Port Moresby, Papua New Guinea. Luckily there was an Australian doctor in residence who specialized in tropical diseases. Nine days later and being treated with quinine, he emerged shaky but cured, and it cost us around $90 U.S. total. Of course we had to cook his meals in the communal kitchen, the same one where locals were spitting betel juice out the windows.

But that was then and the reality is different now. Fast forward to 2008. Steve and I haven&#8217;t cruised full time for the past 25 years. Because we spend half our time in the States, it is important to have good health insurance. For years we paid Blue Shield of California huge premiums for catastrophe insurance. This meant that we were covered for the big expenses such as hospitalization, but with a $2500 deductible per person per year, we ended up paying big premiums and still paid out of pocket for all of our normal medical costs. And I found that buying prescription drugs in New Zealand (2005) and seeing a doctor in British Columbia (2007), costs about the same as at home.

Today, thanks to our being of a &#8220;certain&#8221; age, the government is providing us with Medicare and we have a Medicare supplement insurance policy. We are covered.

But part of your insurance on board is more than the policy you take out. Cruising extensively means that you must carry your own pharmacy. You have to be self sufficient and ready to handle medical problems even if you are far away from professional medical help. This is where having a good medical kit on board is important. Every year or two I sit down with our doctor and go over our supplies. He decides which prescription drugs we should have on board so that we have the necessary medication on hand should the need arise. If we come down with a lung infection, for instance, we contact him, describe the symptoms and he will tell us which antibiotic to use and for how long to take it. I also stock up on however many months&#8217; supply of prescription drugs that we take for chronic conditions before leaving on a cruise.

Apart from prescription drugs, I stock a complete medicine chest of over-the-counter headache and earache remedies, cold remedies, bandages, etc. And this year I spent some time in Tucson, putting together items from a medical supply store. If there is an accident, for instance, medical personnel will ask for vital statistics. Now, along with a good thermometer, I have on board a blood pressure cuff, stethoscope and even a device for looking into the ear for obstructions. All of these were easy to buy without prescriptions and were fairly inexpensive.

There are several good books available which will help you put your onboard medical kit together. Peter Eastman&#8217;s book <em>First Aid Afloat</em> is a good one. And it is important to have a good medical reference book on board as well. <em>The Ship Captain&#8217;s Medical Guide</em>, put out by the Maritime and Coast Guard Agency in London, is a favorite of ours. They have a web site at <a href="http://www.tsoshop.co.uk">www.tsoshop.co.uk</a> . E-mail: customer.services@tso.co.uk .

Having a &#8220;safety first&#8221; mindset on board is a form of insurance too. Avoid burns by not cooking underway, or while wearing a bathing suit. Be mindful of how you maneuver around running machinery. Treat all open scrapes and cuts with antibacterial ointment and keep them dry.

A few years ago, I read of cruisers buying travelers insurance &#8211; this was good only when you were out of the USA &#8211; but I never looked into it, so I don&#8217;t know the particulars. Also, some of the premier credit card companies, such as American Express Platinum, provide emergency medical evacuations worldwide. But in looking into this service further, I found they have their own doctors evaluate the situation and only if there is no way you can get medical care where you are, will they pay to have you flown out. They do suggest names of English &#8211; speaking doctors in foreign countries, or provide a translator if needed.]]></content:encoded>
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