Membership VS.
Insurance Coverage

Although commonly referred to as such, a Sea Tow membership is not insurance. It’s assurance. We’ll come to your aid when things go wrong – provide a tow, deliver fuel or jump start your battery so you can get back on your way… It’s our job to help ensure your safety and we take that seriously.

Boat insurance is intended to protect very significant investments -your boat, electronics and gear, etc. – because disasters strike unexpectedly. Many boaters choose to skip the insurance, but it is a huge risk to be left without the means to repair or replace the boat you’ve worked so hard to acquire, let alone handle legal costs should you be faced with lawsuits after an accident.

Maintaining a Sea Tow membership as well as having boat insurance makes common sense – the two are intended to work together to ensure your boating needs are met in unexpected situations, however minor or major they may be.

A boat towing membership should be simple. Boat towing coverage bundled with an insurance policy is never as comprehensive as a membership to Sea Tow. Sea Tow has boats, insurance agencies do not. When you need help on the water, you’re still going to need to call us to assist.

Understand that Sea Tow membership is NOT part of your boat insurance policy. If you do not have a Sea Tow membership (our signature yellow card), you are NOT a member.

Boat towing through insurance means, no priority service, paying out of pocket, filing claims, and never knowing who is coming to get you.

Sea Tow membership is simple. You know what you are covered for and not, with no fine print and no out-of-pocket surprises.

We always encourage boaters to do some investigation with their insurance providers.

Some questions to ask are:

• WHO is coming to service me on the water? Is there a guarantee that someone will come and that I won’t need to pay out-of-pocket?
• Is there a dollar limit on coverage?
• Will I get towed where I want within my home area or just the nearest safe port?
• Is there a deductible on boat towing coverage?
• Is there a limited use area or a limit on times of use (daytime or nighttime)?
• How long does reimbursement take?
• Does reimbursement count as a claim or casualty loss? Will it impact my future rates?
• What boats are covered under the policy?
• Are there any restrictions on coverage?

We go offshore! We do not have any specific offshore distance limits. How far offshore Sea Tow will go to get you is only limited by the sea conditions, fuel capacity of our boats, and our ability to communicate with you.

Insurance companies may have distance or dollar limits and a tow from offshore can be VERY expensive!