Yacht Crew Health Insurace Blog - 1

It's hard to believe that it has been over 30 years since we first introduced health benefits for crew members in the marine industry. At that time, we had to work hard to convince the industry that captains and crew members deserved access to the same type of health insurance benefits enjoyed by shoreside employees.

Today, crew have come to expect benefits as part of their compensation package. With so many more health insurance plans for crew on the market, deciding the best plan for your group can be difficult, but it doesn’t have to be daunting. We’re here to help!

Here are essential points to consider when selecting a Yacht Crew insurance plan for your group.

The Benefits

What coverage will you need?

First, it's important to figure out what you’re trying to achieve. Are you looking for a comprehensive plan or a plan offering basic coverage? Are you addressing attraction and retention concerns or protecting the owner’s liability and financial interests? The answer could play a significant role in the plan you select.

Assess the limits of each plan

Once you have identified a few group plans to review, carefully assess the coverage and limits. You'll want a plan that works alongside your boat’s P&I coverage and envelops medical expenses, such as hospital stays, emergency medical treatment, surgeries, emergency medical evacuation, mental health and well-being, and prescription medications.

It's crucial to ensure repatriation is also included in the policy should a crew member need to be returned to their home country in case of severe illness, injury, or death.

Check if the policy covers pre-existing conditions and the terms associated with pre-existing. Pay attention to the importance of wellness benefits such as annual checkups, preventative care, vision, and dental. If wellness benefits are not included as standard, consider adding these valuable benefits to demonstrate your care for the health and well-being of your crew.

Lastly, given the active lifestyle of crew members, the policy must include adventure sports coverage, either as a standard feature or as an optional add-on. The plan's overall price shouldn’t be the deciding factor, but budgets definitely need to be part of the consideration process.

Geographical Coverage

The boat’s itinerary is also important when arranging insurance for your group. Crew health insurance policies often have geographical limits that can restrict coverage. For example, if the boat splits its time between the Med, the Bahamas and the Caribbean, you should still consider getting US coverage. If an emergency occurs and an evacuation is necessary, there is a good chance that the crew member will be evacuated to the US. If US cover isn’t included in the policy, either the owner or the P&I, or both, could be responsible for the crew member’s medical expenses and their repatriation back home.

Flag and Crew Nationalities

Remember that the flag and the nationality of the crew can affect the choice of insurance plan. For example, if the boat is US-flagged, you may need a health plan that is based in the US because the boat is considered a US entity. In addition, UK insurance companies do not always offer health insurance options for boats with EU flags. Regarding crew nationalities, some insurance providers do not offer coverage to US citizens or residents. In contrast, others may only provide coverage if there is a low percentage of Americans or US residents.

Selecting the best insurance coverage for you can be confusing, but MHG will help you understand each of your options.

P&I Insurance

The boat's P&I insurance may significantly impact the Crew Health plan you choose. P&I often encourages, and in some cases warrants, that there is a Crew Health plan to provide coverage before the P&I coverage kicks in. Additionally, with high P&I deductibles, selecting a comprehensive Crew Health plan is important. Choosing a more comprehensive plan can help protect the owner from costly compensation disputes that may arise from a crew member's injury onboard.

Charter Yacht vs Private

When determining crew health insurance obligations, whether the boat is used for private use or charters makes a difference. If the boat is used for charters, it is most likely subject to the requirements of MLC. This places responsibilities on the owner in terms of liabilities to the crew. For instance, a charter yacht owner may be required to cover pre-existing conditions, whether insured or not. Additionally, they may need to provide a minimum of 16 weeks' wage cover in the event a crew member suffers a disability, as well as cover the cost of repatriation for almost any reason.

Finding The Right Insurance Partner

Insurance may be complicated, but partnering with the right insurance broker can make all the difference. At MHG, we’re known for our Crew Health expertise and high level of service, which are shown through our 5-star Google Reviews and reviews on Yachting Pages.

We work with the industry’s leading crew health insurance providers to bring you the best solution for your group. We’re not attached to one crew health plan and have options no matter whether you’re based in the Caribbean or Med. We understand the complexities of yacht crew insurance and will simplify the process for you. Learn more about our world-class marine crew offerings at www.mhginsurance.com/Insurance/Marine-Crew-Insurance.

Once the plan is in place, we’ll be here to answer questions about the coverage and assist with claims. Navigating insurance can be challenging, but with the proper guidance, you can ensure a smooth voyage for you and your crew.

Discover the ideal Yacht Crew Benefits Plan! Tailored insurance solutions should fit every crew member. Explore your options today!

Navigating Mental Health at Sea: A Guide for Seafarers - Navigating Mental Health at Sea: A Guide for Seafarers

Whether you work in yachting or onboard cruise ships, life at sea can be thrilling. You get to travel, meet new people from around the world, and save money, among other perks, but it also comes with its unique challenges. There are long days and nights, you're away from family and friends, demanding guests, and little free time, which can take a toll on you mentally. Here are some proactive tips you can start including in your day-to-day life and resources if you find yourself needing mental health and wellbeing support.

Find Your Inner Zen

One of the best practices for improving your mental health is taking time to meditate. Finding a quiet moment amid the chaos of daily life can seem impossible, but even short meditation sessions can work wonders in managing stress. Consider taking a few minutes each day to focus on your breathing and clearing your mind. You might be pleasantly surprised by the peace it brings. Apps such as Calm and Headspace are a great way to get started.

Find Your Circle of Trust

At some point, we will all face adversity at work and in our personal life. Rely on your support system. When you have a circle of friends that you can trust to listen to your worries, concerns, and upsets, you will feel uplifted. Take time to reach out to friends who don't work directly with you but understand your situation. That way, you are not causing more anxiety among crewmembers but still relieving your own stress by talking through issues.

Sharing your concerns with others can have a profound impact on mental health. When individuals open up about their worries, fears, or struggles, it not only reduces the burden of carrying these thoughts alone but also fosters a sense of connection and support. Verbalizing difficulties can help in processing emotions, gaining new perspectives, and receiving advice or reassurance from others who might have faced similar challenges. This act of sharing can be incredibly therapeutic, as it often leads to a decrease in feelings of isolation and stress.

Prioritize Exercise

Depending on your role onboard, you may already be quite physically active. If you're not, try to carve out time for exercise. Physical activity isn't just about getting in shape; it also has immense mental health benefits. When you exercise regularly, your body releases endorphins, those feel-good hormones that can lift your spirits. Whether a walk onshore, a swim, or an onboard workout, prioritize physical activity to boost your mood and energy levels.

Your Sleep Routine

This is tough when you're working onboard, but getting a good night's sleep is another crucial pillar of mental health that often gets overlooked. Quality sleep is vital for your body's recovery and mental rejuvenation. Consider it an essential part of your self-care routine. From rings and activity trackers to apps, many tools and wearable devices can help you fall asleep and track your sleeping habits.

Embrace Free Time Ashore

When you're able to make it ashore, take some time for yourself. Whether it's visiting your favorite shop, grabbing a coffee, or catching up with friends and family back home, do something you enjoy. Skip alcohol and other activities that aren't great for your overall health and wellbeing, and focus on activities that will leave you feeling mentally refreshed and rejuvenated.

It's OK to Ask For Help

Some causes of mental distress aren't fixable by meditation, exercise, or a good night's sleep. Whether you're experiencing trouble at work, such as bullying, sexual harassment, or violence, or you're just having problems coping in your personal life, it's ok to reach out for help.

While there's more work to be done, there's a lot more awareness about the mental health struggles that seafarers face and the resources that one can turn to. If you have Health insurance, check your policy to see if it includes mental health counseling and services. Depending on the plan that you're on, you may be able to access mental health services without paying a deductible, co-pay, or co-insurance or involving your HOD or management. Check your policy for details.

If you ever feel like your work environment, worries, anxieties, or stress are impacting your day-to-day life, reach out for help before it becomes a bigger issue. As maritime professionals, your mental health matters, and seeking support is a sign of strength, not weakness.

Here is a list of services that are designed specifically for seafarers:

  • SeafarerHelp: 24/7 free and confidential support for seafarers.
  • Yacht Crew Help: 24/7 free and confidential support for yacht crew.
  • Seas the Mind: Offers mental health first aid training for yacht crew.
  • Safer Waves: Support for seafarers who have experienced sexual harassment, violence, and gender discrimination.
  • Professional Yachting Association: This association represents professional yacht crew.
  • Nautilus International: International trade union representing seafarers providing advice and legal support.

Talk To MHG

At MHG, our goal has always been to make the marine industry a better place to work and live. We understand the unique challenges you face and the Health insurance coverage you need to help keep you fit and healthy. Contact us today to learn more about our Health insurance plans for yacht and cruise ship crew and how we can tailor coverage to suit your needs.

Seafarers, prioritize your mental health and wellbeing! Discover practical tips and explore resources designed specifically for you.

Want to Join a Cruise Ship as a Guest Lecturer? Here's Everything You Need to Know. - Want to Join a Cruise Ship as a Guest Lecturer? Here's Everything You Need to Know.

Do you imagine combining your passion for education with the adventure of traveling and seeing the world? If the idea of sharing your expertise while sailing the high seas sounds appealing, then becoming a guest lecturer on a cruise ship might be the perfect career move for you. We've got your guide to exploring the exciting world of cruise ship lecturing, covering everything from the diverse opportunities, essential skills, application process, and the health insurance obligations.

Exploring the Vast Opportunities

Guest lecturers on cruise ships have the chance to explore a variety of opportunities, catering to diverse interests and expertise. One such opportunity is to offer academic lectures and share your knowledge in your field of expertise, whether history, science, literature, or any other subject. Cruise ship passengers often appreciate intellectually stimulating content and are eager to learn from experts.

Another way to engage passengers is to offer lectures on special interest topics such as photography, culinary arts, or wellness. These can provide a unique and enriching experience for guests with specific interests. It's a great way to cater to niche markets and ensure passengers have a memorable and enjoyable onboard experience.

Beyond traditional lectures, cruise lines may offer interactive workshops or class opportunities. This format allows guests to participate and learn hands-on skills actively. Workshops and classes could include anything from arts and crafts classes to cooking demonstrations, dance lessons, or fitness classes. It's a great way to provide guests with a diverse range of activities and ensure that they are engaged throughout the duration of the cruise.

Finally, guest lecturers can embrace the chance to immerse passengers in the local culture of each port of call. By sharing insights into the history, traditions, and customs of the destinations visited during the cruise, guest lecturers can provide passengers with a more meaningful and authentic experience. This can include guided tours, cultural demonstrations, or even language lessons.

If this sounds like you, read on to learn about the skills you will need to be a successful guest lecturer and the following steps to take to get you onboard!

Essential Skills

Successfully delivering educational content on a cruise ship requires a unique set of skills. Beyond your academic qualifications, consider the following:

  • Dynamic Presentation Skills: Cruise ship audiences consist of individuals from various backgrounds and age groups. It is crucial to present your material in an engaging, accessible, and entertaining manner.

  • Adaptability: Cruise ship schedules can change due to weather or other unforeseen circumstances. Flexibility and the ability to adapt to unexpected changes are essential traits for a guest speaker.

  • Interpersonal Skills: Building a connection with your audience is vital. A friendly and approachable demeanor will enhance the overall experience for passengers.

  • Tech Savvy: Familiarize yourself with the audiovisual equipment available on cruise ships. Being comfortable with technology ensures smooth presentations and minimizes technical hiccups.

Setting Sail on Your Guest Lecturer Journey

Before embarking on your journey as a guest lecturer, it's crucial to understand the application process. Cruise lines typically partner with agencies specializing in educational and entertainment programs. These agencies act as intermediaries, connecting skilled professionals with cruise ship opportunities.

Start the process by researching reputable enrichment agencies that work with the cruise lines you want to work with. These agencies can provide information on how to apply for guest speaker positions and connect you with the relevant cruise lines.

Once you've identified an agency to work with, it's essential to prepare a compelling resume or portfolio highlighting your educational background, expertise, and any relevant experience in public speaking or teaching. Ensure you emphasize your ability to engage and captivate an audience, which is crucial for success as a guest lecturer on a cruise ship.

In addition to a strong resume or portfolio, you'll also need to develop a riveting presentation proposal. Cruise lines are interested in unique and engaging topics that will captivate their diverse audience. While zoology or history seem to be obvious topics, you might be surprised by some other topics, including photography,

cooking, astronomy, and art. Tailor your presentation proposal to appeal to cruise ship passengers seeking education and entertainment.

Navigating the Insurance Waters

Before you can set sail, it's crucial to understand the cruise line’s health insurance requirements in your contract. Some cruise lines may provide coverage for you to buy while others may require you to purchase coverage from an approved provider. While coverage requirements vary across the cruise industry, many of the cruise lines require their guest lecturers to have at least $1M in coverage and coverage for emergency medical evacuation, repatriation, and Covid-19. Review your specific agreement for details.

At MHG Insurance, we specialize in health insurance plans for the marine industry. We would be happy to help you understand your health insurance requirements and find you the right plan for your specific situation. Plans typically include coverage for accidents and illnesses occurring on and off the ship, do not include work exclusions, and can be purchased online in just a few steps. If you have questions, or would like to get a health insurance quote, get in touch with us: https://mhginsurance.com/Contact

Get ready to embark on an exhilarating voyage as a guest lecturer on a luxurious cruise ship! Learn about how to apply, create captivating presentations, and the logistics ensure a seamless experience. Find your guide to a rewarding and exciting career here!

The Resurgence of Travel Agents - The Resurgence of Travel Agents

In an age where technology has made booking flights and accommodations as easy as a few clicks, the resurgence of travel agents might seem surprising. However, the ability to include additional excursions and visits to multiple places in one vacation brings value to travel agents' personalized touch and expertise. This revival is not just about convenience but a comprehensive and seamless travel experience. Let's delve into the advantages of travel agents and the reasons behind their renewed popularity.

Personalized Service in a Digital World

As the travel industry embraces technology, it may seem like the human touch is diminishing. However, travelers realize that technology can't replace the insights and personalized service travel agents offer. Travel agents are coming back because they understand that each traveler is unique, with distinct preferences and requirements.

From crafting personalized itineraries to recommending hidden gems that algorithms might overlook, travel agents are becoming the go-to resource for those seeking a tailor-made travel experience. This personal touch creates a level of trust and comfort, especially when navigating the uncertainties of travel in a post-pandemic world.

Time-Saving Convenience

While the digital age has allowed us to book flights and accommodations online, it has also resulted in an overwhelming amount of information. Vacationers often spend hours researching options, reading reviews, and comparing prices. With their insider knowledge and industry connections, travel agents streamline this process. They can quickly narrow down choices based on the traveler's preferences and budget, saving valuable time and ensuring that every aspect of the trip aligns with the client's desires.

Navigating the Complexity of Travel Regulations

The travel landscape has become increasingly complex, with ever-changing regulations, entry requirements, and health protocols. Travelers are now faced with a myriad of considerations, from visa entry requirements and travel advisories. Navigating this maze of information is overwhelming, so travel agents are an easy way to stay ahead and ensure you have everything covered.

Travel agents also stay updated on the latest travel advisories and entry requirements, ensuring their clients have the most accurate and current information. This level of expertise has become invaluable, particularly for those who want to avoid last-minute hiccups and disruptions to their travel plans.

Negotiating Better Deals and Added Value

People in the industry often have access to exclusive deals, promotions, and packages that are not readily available to the general public. Due to their ongoing relationships with suppliers such as hotels, airlines, and tour operators, travel agents can negotiate better prices and secure additional perks for their clients. In addition, travel agents know the best insurance providers to work with to make sure your vacation is covered in the case of a cancellation or even an accident or illness while you are traveling. Travelers benefit not only from cost savings but also from added value that enhances the overall travel experience.

The Inside Scoop on How to Protect Your Trip

Travel agents are experts in making travel go smoothly, but if the unanticipated happens, they offer the best guidance on preparing for and dealing with it. They also have connections to insurance providers who are there to protect you and your trip and can get you the best coverage the industry has to offer.

MHG Insurance provides comprehensive travel insurance solutions that go beyond traditional coverage. From trip cancellation protection to emergency medical coverage, MHG Insurance understands the diverse needs of today's travelers. Travel agents appreciate the flexibility and customization options that MHG Insurance offers, allowing them to tailor insurance plans to meet their client's specific requirements.

Peace of Mind in Unpredictable Times

In an era marked by uncertainty, having reliable travel insurance is non-negotiable. MHG Insurance provides a safety net for travelers, offering coverage for unforeseen events such as trip cancellations, medical emergencies, and travel delays. This level of protection is a crucial factor for travelers who want peace of mind and assurance that their investment in a trip is safeguarded.

When unforeseen events disrupt travel plans, the human touch becomes even more critical. In times of crisis, having a dedicated professional who can guide and assist is invaluable. The combination of expert guidance from travel agents and the reliable support of MHG Insurance creates a safety net that extends far beyond the booking process.

In a world where uncertainties abound, travelers are seeking reassurance and reliability. The comprehensive coverage and personalized service offered by MHG Insurance, coupled with the expertise of travel agents, create a harmonious partnership that ensures clients can embark on their journeys with confidence and peace of mind.

To learn more about our world-class travel insurance, visit www.mhginsurance.com/Insurance/Travel-Insurance.

In an age where technology has made booking flights and accommodations as easy as a few clicks, the resurgence of travel agents might seem surprising. Let's delve into the advantages of travel agents and the reasons behind their renewed popularity.

How Much Money Could Trip Cancellation Insurance Save You? - How Much Money Could Trip Cancellation Insurance Save You?

Imagine you've been planning a safari trip to the Serengeti National Park in Tanzania for months. You've invested both time and money in making this dream a reality. You've booked flights, accommodations, safari tours, and even purchased new gear and clothing for the adventure. Your excitement knows no bounds as you count down the days until departure.

As your departure date approaches, life takes an unexpected turn. Your elderly mom has a fall and is in the hospital with a broken hip, forcing you to cancel your dream vacation. The total financial impact of canceling your safari trip could quickly run into thousands of dollars, depending on the scale and complexity of your journey. Without trip cancellation insurance, this could translate into a significant financial loss.

The Role of Trip Cancellation Insurance

This is where trip cancellation insurance becomes a valuable safeguard. For a relatively modest premium, you can protect yourself from the financial risks of canceling your trip. In all, there are 36 cancellation reasons. Let's explore how trip cancellation insurance can save you money in various scenarios.

If a sudden illness, such as Covid, or injury occurs, and a doctor advises you against traveling, trip cancellation insurance can provide coverage. It typically reimburses portions of non-refundable expenses, such as flights, accommodations, and tour bookings. In case of a family emergency, such as the hospitalization of a close family member, insurance can step in. It can cover the expenses you'd otherwise lose due to last-minute trip cancellations.

If your employer unexpectedly requires you to remain at work due to an urgent project or business matter, trip cancellation insurance can be a financial lifesaver. It can reimburse your pre-paid expenses, ensuring your career doesn't suffer alongside your travel plans.

Imagine a hurricane warning is issued at home just prior to your trip, or your destination is affected by a natural disaster just days before your departure. Without insurance, you'd likely lose all the money you've invested. Trip cancellation insurance typically covers cancellations due to such unforeseeable events. Airlines will not always help you with issues of this kind as they are covered by their “force majeure” clause.

Lastly, if your travel destination experiences political unrest or becomes the site of a terrorist attack, trip cancellation insurance can often cover your losses. This is especially relevant for travelers venturing into potentially volatile regions.

Speak to your insurance professional for a complete list of covered reasons.

The Bottom Line: Potential Savings

If you're considering purchasing trip cancellation insurance, you might be wondering how much money it can actually save you in a real-life scenario. Let’s use the safari trip to Tanzania as an example so that we can estimate the potential savings you could have with trip cancellation insurance.

First, let's consider flights. A round-trip ticket to Tanzania might cost around $1,000. If you have to cancel, the airline's cancellation fee could be an additional $200. Next, let's look at accommodations. A week's stay at a safari lodge could cost anywhere from $1,000 to $3,000 or more.

Safari tours are another expense to consider. Depending on the length and complexity of your safari, you might have prepaid $1,000 or more. Specialized gear and clothing for a safari might add up to $500 or more.

Finally, if you've booked extra activities or excursions, like a walking tour or a guided tour through the local marketplace totaling $500, insurance can cover this loss as well.

In total, your dream safari trip could cost between $3,700 and $6,700. Trip cancellation insurance, which typically costs around 5-10% of your total trip expenses, could be a lifesaver in the event of a cancellation.

Embarking on a safari in Africa is a dream for many, but life is full of uncertainties. Trip cancellation insurance is a smart and cost-effective way to protect your investment and ensure that unforeseen circumstances don't crush your dreams of adventure. By investing a relatively small amount in insurance, you can safeguard your travel plans, ensuring that even if the unexpected occurs, your dream trip doesn't turn into a financial nightmare. So, before you embark on your next adventure, consider the value of trip cancellation insurance—it might just be your best travel companion.

To learn more about a world-class travel insurance plan, talk to an insurance specialist today by visiting www.mhginsurance.com/Contact.

Imagine you've been planning a safari trip to the Serengeti National Park in Tanzania for months. You've invested both time and money in making this dream a reality. As your departure date approaches, life takes an unexpected turn. Without trip cancellation insurance, this could translate into a significant financial loss. Let's explore how trip cancellation insurance can save you money in various scenarios.

The Best Places in the World to Network for New Yacht Crew Jobs - The Best Places in the World to Network for New Yacht Crew Jobs

When trying to get into the yachting industry, one of the best assets to have is connections. Not only can they let you know about jobs that may not necessarily be posted online, but you can also get an excellent recommendation from someone already in the industry. Here's your guide to how to network for yacht crew jobs.

How to Network Away From a Port

While one of the best options for building your network will likely be in a city with lots of ports and yacht crews, you may also want to make some connections before moving or visiting a port city. There are plenty of online groups and forums that you can join where you can introduce yourself and let people know you may be in their area. Some groups also post jobs or let users post CVs or resumes.

The downside to these groups is that they're usually large, and getting people's attention is hard. Many job postings on these forums will also be competitive. While it's an excellent way to get a head start on building your network, the best option is to meet people in person.

Fort Lauderdale, USA

As the yacht capital of the world, Fort Lauderdale is one of the best cities in the world to network. The city hosts the annual Fort Lauderdale International Boat Show, one of the largest yacht shows globally, attracting both professionals and enthusiasts from around the globe. The port city has numerous crew agencies, training centers, and yacht-related businesses, making it an excellent place to kickstart your career.

There are also amazing local nightlife scenes to check out to meet other yacht crew. Tap42, Bar Rita, and Waxy's are all infamous bars within walking distance of the yachting district of Fort Lauderdale, and it's a great place to meet people in yachting.

On October 24th, 2023, MHG Insurance will be hosting a networking event for yacht crew, right before the Fort Lauderdale Boat Show. The event promises to be a great opportunity to meet others in the industry. If you’d like to attend, please RSVP here: https://www.popup-club.co.uk/events/fort-lauderdale-international-boat-show-usa/

Antibes, France

Antibes, located on the French Riviera, is a hotspot for yacht crew networking. After the vibrant summer tourism season, yacht crews are easy to find in the small, picturesque town. Especially as the world’s luxury yachts enter the Mediterranean for the annual Monaco Yacht Show, Antibes is one of the busiest networking areas in Europe.

Yoga and fitness classes are popular among docked crew who find gym memberships hard to keep up with. Many have classes at the beach or parks, and they may be an excellent opportunity to make connections to the industry. There are also bars like Le Blue Lady and The Hop Store or crew houses that offer networking opportunities.

Palma de Mallorca, Spain

Palma de Mallorca, nestled in the Mediterranean, is another popular destination for yacht crew networking. The city is vibrant, full of marinas, crew houses, and training centers. Palma also hosts the Palma Superyacht Show, a significant event that attracts industry experts and potential employers.

Hogan's Burger Bar is a yacht crew's favorite Irish bar that makes all their food from scratch. Corner Bar and Escape Bar are other hotspots to check out. The city is also filled with outdoor sports to get involved in, like scuba diving, paddle boarding, and surfing, which crew love.

Auckland, New Zealand

Auckland, known as the "City of Sails," is one of the most significant yachting destinations in the Southern Hemisphere. With stunning harbors and world-class sailing facilities, it's hard not to love Auckland. The city hosts the Auckland On Water Boat Show, which attracts yacht enthusiasts and industry insiders alike.

While the main attractions for crew on off days are outdoor activities and sports, there are a few hotspots to check out, including Captain's Bar and Carousel. These locations can be great places to meet yachting friends or network.

For anyone in the yachting industry, you're going to need to think about how to insure yourself or your crew. Visit www.mhginsurance.com/contact to find out what options you have in yacht crew insurance.

Have any other recommendations? We'd love to hear them! Visit us on LinkedIn, Facebook, or Instagram to send us a message.

When trying to get into the yachting industry, one of the best assets to have is connections. Not only can they let you know about jobs that may not necessarily be posted online, but you can also get an excellent recommendation from someone already in the industry. Here's your guide to how to network for yacht crew jobs.

What it's like to work on a cruise ship? - 2

Many who seek to merge their passion for travel with their professional goals look towards working on a cruise ship. The job is a captivating choice, from breathtaking destinations to diverse job opportunities, and it's easy to understand why it's a coveted career path for many. Still, it's much different from an on-land 9-5. Here's what it's really like to work on a cruise ship.

The Rhythms of Cruise Ship Life

While the allure of travel is undeniable, life on each ship comes with a very unique rhythm and routine. The ship operates 24/7, which means that the work never truly stops. Employees often follow a rotating schedule, working for several weeks before enjoying a period off at various ports. While this is a demanding schedule, it offers a chance to build close relationships with coworkers and form a tight-knit community.

A Melting Pot of Cultures and Professions

Cruise ships are like microcosms of society, housing a diverse range of people and professions, which means there is almost always a place for you. From the ship's officers and crew to hospitality staff and entertainers, the ship becomes a melting pot of cultures and professions. Interacting with colleagues from various backgrounds fosters a sense of camaraderie and offers opportunities for personal growth and learning. Whether you're a chef, a housekeeper, a musician, or a fitness instructor, there's a place for diverse skill sets and experiences on board. 

Challenges on the Horizon

Working on a cruise ship isn't always smooth sailing. Close living quarters, long working hours, lack of consistency, and separation from loved ones often present challenges. Crew members may experience homesickness and isolation from being at sea for extended periods. Moreover, adapting to the constantly changing environment can be daunting, as employees must quickly adjust to new destinations, passengers, and cultural norms.

Rewards Beyond Measure

Despite the challenges, a career at sea offers rewards that go beyond financial compensation. The opportunity to see the world, make lifelong friendships, and develop valuable skills is an invaluable aspect of shipboard life. Many employees find that the experiences gained at sea profoundly impact their personal and professional growth. Moreover, interacting with passengers from diverse backgrounds allows for meaningful connections and creating lasting memories, a chance that is hard to come by working in a less diverse field.

Navigating the Future

As the travel industry evolves, so does the world of cruise ships. The industry constantly innovates to provide cruise guests new experiences, from onboard entertainment to shore excursions. These enrichments can transcend to new technologies and trends, which can be exciting and challenging for employees. As sustainability becomes a more pressing concern, cruise lines also focus on eco-friendly practices, providing opportunities for employees to contribute to a greener future.

Working on a cruise ship offers a unique opportunity for adventure, camaraderie, and personal growth. Consider stepping aboard and setting sail into a world of endless possibilities, it may just be the right challenge for you.

Since 1991, MHG has been an expert in marine crew insurance. If you would like to speak to an insurance specialist today about insurance coverage that could benefit you, visit www.mhginsurance.com/contact.

Working on a cruise ship differs from a land-based job, as you might expect. Here are the answers to many people's questions about working on a cruise ship.

What's in Your Wallet? - 2

As you embark on exciting travel adventures, your wallet is one of the most crucial things to organize. It should contain all the essential items needed to ensure a smooth journey and address any unexpected situations that may arise during your trip. Here's your guide to everything you need in your wallet for a successful trip!

Credit Cards (and Backups)

At the top of your list of what you need in your wallet is how you'll pay for things on your trip. Ensure you carry a credit card from a major credit company. Even better, take a backup card from a different provider in case of loss, theft, or any issues with one card. If you're unsure of what bank to choose, get a card from an international bank with a branch at your destination, as you can often receive more favorable exchange rates when taking out cash. Before you leave, you should notify your credit card company about your travel plans to prevent any potential fraud alerts that could freeze your card.


While credit cards are essential, having some cash on hand is equally vital. Even though most destinations are equipped with contactless or card-reading technology, cash is often required for public restrooms or tipping. In addition to a small amount of local bills, carry a mix of local currency and USD or Euros, as they are widely accepted in many destinations. If you need to withdraw more cash, ensure you choose a reputable ATM to avoid unnecessary fees and keep it safe in a hidden compartment in your wallet. You can usually find an ATM at the airport when you arrive.

Driver's License

Many people forget to bring a driver's license as a form of ID if they don't plan on driving in their destination. Even if you have a passport as your main form of ID, a driver's license can be helpful in various situations like renting equipment or age verification for certain activities. Make a photocopy of your driver's license (and passport) and keep it separate from your original in case you lose it.


Whether traveling by plane, train, or bus, keeping your tickets handy is a must. Even if you rely on digital tickets, it's wise to print out extra copies as a backup to keep in your wallet if you run into issues with your device. For physical tickets, like boarding passes, use a dedicated slot in your wallet or a ticket holder to keep them organized and easily accessible.

Travel Itinerary

Having a printed and digital copy of your travel itinerary is essential for staying organized during your trip. Include details about your flight information, hotel reservations, tour bookings, and contact numbers. This will help you keep track of your schedule and provide valuable information if you encounter any unexpected situations or need to show proof of your plans.

Travel Medical Insurance Cards

Traveling without medical insurance is risky, as accidents and unexpected illnesses can happen anytime. Carry your travel medical insurance cards in your wallet and any necessary contact information for the insurance provider. Before you travel, familiarize yourself with the coverage details, how to get help in an emergency, and the claims process, so you can act promptly if needed.

It can also be helpful to print any allergies or medications taken on a card in your native language and the language of your destination to keep handy in case you lose anything vital.

The best vacations are the ones where you are well-prepared and protected. Visit www.mhginsurance.com/travel-insurance for travel health insurance for a relaxing trip.

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When organizing a vacation, your suitcase shouldn't be all you're thinking about packing. Your wallet can make or break a trip- here's your guide to everything you need in your wallet for a relaxing and well-protected vacation.

What Does Travel Medical Insurance Cover?    

It’s almost that time of year. Summer is around the corner, which means school’s out, and vacations are happening!

Before the fun is had, it’s important to take care of some “housekeeping” items, so that you can relax and enjoy your time without worry. Especially if you are planning on taking any international trips. Don’t leave without travel medical insurance! And don’t buy a travel medical insurance policy without first learning exactly why you need it.

Travel Medical Insurance is an insurance policy that acts as your health insurance while you are abroad. People are often surprised that their existing health insurance policy does not cover them when they leave the U.S, which is why it is important to get a travel medical policy whenever traveling internationally. After all, medical emergencies can happen anywhere, even when traveling for business or vacations. Coverage can include medical bills associated with car accidents, injuries, food poisoning, illness, etc.

What is the Difference Between Travel Medical Insurance and Trip Cancellation Insurance?

Trip Cancellation Insurance is an insurance policy that protects your investment when your trip is cancelled or interrupted for various reasons. Typically, this type of policy also includes medical coverage for accidents and illnesses. It differs from travel medical insurance, which provides international medical insurance coverage for when you are traveling abroad, outside of your home country. These two very different types of insurance are often mistaken for each other, as they can be referred to as travel insurance (travel medical insurance) and trip insurance (trip cancellation insurance).

What Affects the Cost of Travel Medical Insurance?

The main factors that affect the cost of a travel medical insurance plan are:

  • The amount of coverage
  • The length of the trip
  • Your age
  • Primary destination

There are other factors that can affect the cost of travel medical insurance; however, these factors are typically what will be the greatest influence on cost. First off, the amount of coverage will always be an indicator of price. As you get more or better coverage, the price will go up, as you get less coverage, it will go down. The length of the trip impacts cost because the more time you need insurance, the more opportunity there will be for insurance to be used. Age is a factor because as people get older, they are deemed to be a greater risk. And finally, depending on where you’re traveling can also impact the cost of your policy. If you’re traveling to the US, the policy will be more expensive as the cost of healthcare is higher. Don’t let any of these factors deter you. Travel medical policies are relatively inexpensive, and the application process can be completed in just a few steps!

If you have any questions about travel medical insurance , or are interested in purchasing a travel medical insurance plan for your next business or leisure trip abroad, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Safe travels!

Traveling abroad? Learn more about travel medical insurance for accidents and illnesses while traveling abroad.

Officers and crewWorking onboard a cruise ship is a lot different today than it was many years ago. Gone are the days of individuals electing to work at sea just for the experience and the lifetime of memories one can make. Obviously, those are still some of the great benefits of choosing this line of work, but today, crew members and officers are career oriented, with goals and opportunities to work 10 or more years onboard. With a shift to career focus, whether or not “tangible” benefits are offered has become a key influence when choosing an employer.

Stand Out

The cruise industry is more competitive than it has ever been, and trends and forecasts have it becoming even more so over the next 5-10 years. Which begs the question, “As an employer, how do I stand out from the competition?” Attaining loyalty from your crew and officers and ensuring they return year after year, or contract after contract, is a great way to build a foundation for success and take the lead. One of the simplest ways to achieve that goal is by offering a comprehensive benefits package!

Comprehensive Benefits Package

Offering a comprehensive benefits package can be one of the quickest and easiest ways to get the ball rolling on making sure you are a sought-after company for officers and crew, long term! Sure, comprehensive benefits sound nice, but what does it actually mean?

Providing more than just the basic medical coverage for your crew can be cost-effective and ensures your crew return after their holiday in their healthiest state. Ensuring your crew are healthy is not only important but also vital to your business. If you do not currently provide any additional medical benefits besides the legal requirements, you may wish to consider a vacation medical policy. This is medical coverage for your international crew once they sign off the ship from a completed contract until they return for their next contract. This kind of coverage allows the crew members to visit doctors while signed off and take care of any medical needs or treatment necessary and ensure they are physically ready to return for their next assignment onboard. Policies can also include the employees’ dependents, which would be 24/7 worldwide.

Going a step further, consider primary medical insurance for your crew or senior officers. This kind of policy is primary to the required P&I insurance. While an additional cost, these plans provide excellent medical coverage 24/7 with global networks worldwide and put you in a more attractive position as an employer.

MHG has been providing insurance solutions for the maritime industry for over 30 years. We pride ourselves in offering superior service for your business needs. For questions or assistance, please contact us at mhginsurance.com or call +1 954 828 1819 or +44 (0) 1624 678668 and ask for the cruise division.

With a shift to career focus, whether or not “tangible” benefits are offered has become a key influence when choosing an employer.