I have Markel, unlimited offshore but need the rider when entering another countries waters. I did NC to Bermuda in 2012 and the rider cost me $210.00. they were specific about when it covered me but you can work with your agent on that. Better get going because you will have to have the insurance at least 30 days prior to leaving, that goes for any company. Good luck on the trip, it is a fun offshore passage and Bermuda is great. Stock all your food for the full round trip as food there is expensive and not fresh. When shopping tell them you are on a yacht and you may get a discount.