My wife and I will be needing insurance for out of the country cruising for a few years. If you have some good options I would love to hear about them. I'm 63 and Barbara is 57. My biggest fear is that when we return we will have difficulty getting affordable coverage without exclusions. Without assurance that full affordable coverage will be available, we may be forced to carry our existing expensive bc bs coverage just to ensure that it will be available when we return. Your thoughts would be appreciated.

Jorge