SeaTow now covers you whichever boat youre in even if youre a passenger.
Seatow will go get you out in the ocean where as Boatus will not (unless they have changed).
We have Seatow in this area and I've seen them in action. They are awesome. One guy in our area went to Oregon Inlet fishing, he was about 10 mi out to sea when he had a motor problem. He called the coast guard station (marine radio) and they called seatow for him. They came towed him back toward Elizabethcity (where he lived) and another Seatow guy picked him up and towed him (the 2nd seatow guy's area) to his dock.
He didn't get charged one dime because of his membership.
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Tis better to be quiet and thought a fool than open your mouth and prove it!!
1991 V-20 cuddy I/O 350 volvo duo prop, 1998 15ft Grumman 9.9 Johnson 
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