800-4-SEATOW
Service Locator
Do I have a Sea Tow membership through my insurance?
NO. An annual Sea Tow membership is NEVER part of an insurance policy. Only membership card carrying boaters are members. So, if you don’t have a yellow Sea Tow membership card, you’re not a member. And only members receive priority service and are always served before non-members.
Gold Card Membership is less than $21/month and Lake Card Membership is only $14/month. The average cost of a tow is $950. That’s why membership is called by many who know – one of the best bargains in boating.
Why do I need a Sea Tow membership if I have towing coverage through my insurance?
Boat towing coverage through insurance (doesn’t matter which insurance company or policy) will NEVER be as comprehensive as a Sea Tow membership. On-water assistance is what Sea Tow has been doing for over 40+ years. Insurance agencies don’t have boats on the water, Sea Tow boats are located in over 500+ ports nationwide, so when you need help, fast, members know their local captain is standing-by. Without a Sea Tow membership, when you need help on the water – you don’t get priority service – so you could be waiting a while.
Membership also means:
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Hear from our members
“The last thing I want is unexpected challenges if something happens when I’m out on the water. Towing coverage through my insurance wasn’t comprehensive enough. I wanted to know who was coming to help me AND WHEN. Whether it’s my engine, gas, prop – or my mistake, my Sea Tow Membership is my peace of mind.”
— Jerry Canton, Sea Tow member for over 10 years.
What is the difference between membership and insurance?
Although commonly referred to as insurance, a membership to Sea Tow is not insurance; it’s assurance. Your local Sea Tow Captains respond to your needs when the unexpected happens on the water. Running out of fuel, running aground, prop entanglements, and any non-emergency assistance needs you have while enjoying a day on the water.
Boat insurance protects specific investments – your boat, electronics, gear, etc. and while not required in most states, it helps prevent paying out of pocket and offers a safety net of protection from injuries, damage and theft.
An annual membership to Sea Tow and insurance can be used together to provide complete coverage. But one does not cover the other.
Read more on the full list of Towing Coverage on Insurance Policies vs Sea Tow Membership.
Which membership is right for you?
Try our membership advisor.
Benefits of Membership
- 24/7 Priority Service. Members always served before non-members.
- Unlimited towing with no distance or dollar limits within your home area.
- Service for every boat you own, rent, or bareboat charter.
- Free fuel delivery, jump starts, oil/parts delivery, covered ungroundings, disentanglements, and more.
- Nationwide coverage and captains routinely arriving under 1-hour from over 500+ ports nationwide.
- Up to 25-mile tow coverage to repair facility from your homeport on all covered vessels.
- Local navigation and referrals, anchorages, troubleshooting, tides and weather.
- Member-only savings on boating products and services through Sea Tow Savings Club.
BOATERS CHECKLIST
Ask the right questions when it comes to towing coverage on your insurance:
- Is there time, offshore, distance or service area limits to my coverage?
- Does a claim impact my rate? Does a reimbursement request impact my rate?
- Is there a limit to the number of claims I can submit annually?
- Will a tow from my home dock to a repair facility be covered? What is the distance limit?
- Will I get towed where I want or just the nearest safe port?
- Will I get priority service if I need help on the water?
- Who is coming to help me?
- Will I pay out of pocket? How long does reimbursement take?
- How many boats am I covered on?
I have boat towing through my insurance, so why do I need sea tow?
Without a Sea Tow membership card, you don’t have Sea Tow. And our membership benefits go far beyond what any insurance policy with boat towing coverage can provide. For starters, Sea Tow has boats on the water to service you with 24/7 dispatch. Does your insurance company? Sea Tow also serves members first, because we prefer throwing you a line instead of making you wait for the next available boat tower. Knowing who is coming to help you is important and Sea Tow membership also means no hassles of reimbursement or filing of insurance claims.
24 Hour Dispatch Center 
Call Any Time 800-4-SEATOW or 800-473-2869
Sea Tow is never Bundled!
Sea Tow isn’t insurance. Sea Tow doesn’t come with your insurance. Sea Tow is an annual on-water assistance MEMBERSHIP. When you want priority service. When you want to know who is coming to help. You get a Sea Tow membership.
Locally Owned. Nationally Respected.
Sea Tow has been the premier leader in on-water boating assistance for over 40 years.
