Yacht Crew Insurance

Are you aged 19 to 30, commitment-free and looking for an extraordinary job traveling the world? Picture yourself waking up to a beautiful sunrise on the ocean, docked at an exotic destination rich with culture.  All while earning a paycheck with your expenses paid. This lifestyle provides the opportunity to save while still enjoying some splurging. Today, with the yacht industry expanding at a record rate and many yacht owners becoming more adventurous, there is hardly a coordinate on the globe that is beyond the reach of luxury yachts.

Working on yachts is not like other careers. There is no going home at the end of the day. The crew that surrounds you twenty-four hours a day are your work colleagues, your confidantes, your family, and your friends, and this certainly makes for strong, interesting, dynamic, and enduring friendships.  Many crew members work 5 ½ to 6 days a week, 16 hours per day.

You do not need a model look to work on one of these luxurious yachts but, you do need an open smile and a presentable appearance.  Most yachts are looking for crew that is genuinely enthusiastic and almost all want a crewmember that will make a concerted and conscientious effort to 'do the right thing' because a positive mindset creates a positive environment. After all, it is those crewmembers that have a real passion for the sea and are eager to learn all they can about the industry and the countries they visit and themselves and others who ultimately have the most fulfilling experience onboard yachts. The yacht gains a valuable crewmember, and the crewmember gains an invaluable experience, so everyone wins.

Once you’ve landed your dream job working onboard a yacht, you’ll have to think about obtaining an international health insurance plan if a group plan is not already in place. As an insurance broker, MHG can research the marketplace to find the best suited plan with the insurance coverage you need to fit your new career and lifestyle. Looking for a plan designed specifically for yacht crew with coverage for scuba or amateur sailboat racing? Or perhaps you’re looking for a more traditional land-based plan that you can keep even after you leave yachting. MHG’s expert staff can assist you in selecting the medical insurance plan that best fits your unique situation.

Do not let that dream job turn into a medical nightmare.  Life on the water can be hazardous, and in the unfortunate event of an on-the-job injury, you need a quality plan. As the yacht crew insurance specialists, MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each client. Whether you are looking for crew insurance, travel insurance, or group insurance plans, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.

Trip Insurance

Everyone is talking about watching the Olympics in London this summer, but imagine going! What a trip of a lifetime that would be.  Taking your daughter to see her favorite gymnasts going for the gold or your son watching a soccer match played by the best in the world! 

 

Watching the Olympics in person with your family would be a once in a lifetime experience.  Now imagine that your child gets too sick to travel just days before you are due to leave.  Of course your first concern is their health but your second thought is what about the thousands of dollars we spent on this trip? 

Unexpected emergencies happen and can keep you from taking that trip of a lifetime.  Protect your travel investments with trip cancellation insurance from MHG Insurance Brokers.   As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to help you select the coverage you need. 

MHG offers two premium plans from International Medical Group designed to provide essential coverage for trip cancellation, travel and baggage delays, and emergency medical treatment. With the Patriot T.R.I.P Travel Insurance you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons here or where your trip is.  You are covered if your destination suffers from things such as financial default of a travel supplier, a terrorist incident, natural disaster or bad weather resulting in the cessation of the travel supplier’s services, medical quarantine, or hijacking.  

With our travel insurance you are also covered if you or a family member or your travel companion or their family member suffers an emergency illness, injury or death.  You are also covered for jury duty, employer termination or layoff or if your home or your travel companion’s home is made uninhabitable by fire, windstorm, vandalism or flood.  An auto accident on the way to your scheduled departure point; you are covered up to $20,000 per person. 

Benefits are also provided for travel delayed, baggage delays, and emergency medical treatment while you’re away from home. Patriot T.R.I.P. Elite Travel Insurance available through MHG offers top-notch services and benefits to travelers whose covered trip is cancelled or interrupted due to unforeseen circumstances. It includes all the benefits of the Patriot T.R.I.P. travel insurance with higher coverage.  For an interrupted trip you may receive 150% of the amount of your trip you elected to cover. For a delayed trip your amount is doubled to $1,000 per person, $200 per day after 24 hours or $500 for a missed connection.  If you are injured on your trip, you are covered up to $100,000 for emergency medical evacuation and repatriation.  Reasonable travel and lodging expenses are also covered for a family member to be at your bedside.  

If minor children or grandchildren are traveling with you when you are stricken with a medical emergency their return expenses will be covered. Traveling can be an exciting adventure, but the unexpected could happen.  Make sure you have the protection you need with insurance from MHG.

MHG Insurance Brokers offers a variety of comprehensive insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.

Trip Insurance

What is your favorite part of the Fourth of July? Is it the local parade, boating with family and friends, attending a backyard BBQ, watching the fireworks display or simply lounging by the pool? Whatever your plans are this Fourth of July, stay safe! 

 

A special study conducted by the US Consumer Product Safety Commission found that 65 percent of firework related injuries in 2011 occurred in the month surrounding the Fourth of July holiday. 

Here are a few safety tips to follow this holiday: 

Wear a life jacket at all times when boating. Last year, 533 of the 758 boating fatalities resulted from drowning, with 84 percent of the drowning victims were reported as not wearing a life jacket. Do not operate a boat under the influence of alcohol. Alcohol is even more hazardous on the water than on land. The marine environment – motion, vibration, engine noise, sun, wind and spray – accelerates a drinker's impairment. 

Always prepare a float plan. Every vessel from a kayak, to a canoe, sport boat, fishing boat, and even a jet ski should file a float plan.  Without a float plan you are counting on someone else, a friend, neighbor, or family member to remember detailed information that rescue personnel need in order to find you.  Include the boat identification, passenger and crew list, itinerary, and emergency contact information. Make sure fireworks are legal in your area before buying or using them.  

Never allow young children to play with or ignite fireworks and always have an adult supervise fireworks activities, especially if sparklers are being used. Sparklers can be dangerous and burn at temperatures of about 2,000 degrees - hot enough to melt some metals! Never place any part of your body directly over a fireworks device when lighting the fuse. Light fireworks one at a time and then back up to a safe distance immediately. Never try to re-light or pick up fireworks that have not ignited fully.  Never point or throw fireworks at another person and never carry fireworks in a pocket or shoot them off in metal or glass containers. Keep a bucket of water or a garden hose handy in case of fire or other mishap.  After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding it to prevent a trash fire. 

And lastly, don’t forget about your furry four-legged friends! Never use fireworks around pets. While exposure to lit fireworks can potentially result in severe burns and/or trauma to the face and paws of curious pets, even unused fireworks can pose a danger. Many types contain potentially toxic substances, including potassium nitrate, arsenic and other heavy metals. Also remember to keep pets safe from the noise in a quiet, sheltered and escape-proof area at home.

MHG Insurance Brokers urge you to be safe this holiday. Even though you take precautions, accidents do happen and having quality health insurance is important every day of the year. Whether you are looking for health insurance, disability income, life insurance, travel insurance, specialty marine crew medical or business insurance, we can help. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Call us today at 877-278-7400!

MHG Urges You to Be Safe - Be Prepared With Health Insurance

1) What are walk-in clinics/urgent care centers?

 

If you are faced with a non-life threatening illness or mild injury, an urgent care center or walk-in clinic can offer you medical attention in the event your primary care physician is not available and/or when a trip to the emergency room may not be necessary. Many urgent care clinics are often open after hours, seven days a week and appointments are not necessary.   

2) Choosing a walk-in clinic/urgent care center 

There are more than 8,000 urgent care clinics in the United States. Choosing a center often comes down to proximity, insurance and quality of care. You want to choose a center that is near your home or work and can offer you quality care and assistance in a reasonable amount of time. Consider this list of factors when choosing an urgent care center: 

Location: Is the urgent care center a reasonable distance from your home, school or office?

Availability: What hours is the urgent care center open? Many walk-in clinics are not open 24 hours, however they commonly accommodate after hours, weekends and holidays. It is advisable to call ahead to confirm hours of operation and ensure it fits your schedule.

Insurance: Does the clinic accept your individual health insurance plan or group health insurance plans? Many clinics accept most insurance plans. If you do not have insurance, the clinic will assist you, but there is an upfront charge required.  

Quality: Is it too crowded? Were you treated kindly? Did you receive adequate care? These questions can be difficult to answer before you visit a clinic, but if you do not receive quality care, you should report the mishap and find another clinic for future needs.  

Recommendations: Ask a friend or relative about their experiences at local urgent care centers. Quality is easier to measure when you can learn from someone else’s experience.   

3) When to use urgent care centers/walk-in clinics 

Emergency room wait times are often high and should be reserved for emergency use only. Urgent care centers are designed to free up emergency rooms for true emergencies. Severe accidents, deadly illness, bleeding wounds and similar incidences are for the emergency room, but basic illnesses, such as a cold, the flu, a cough and even a fever can be treated at an urgent care center.  

Basic injuries such as bruising, sprains or possible minor broken bones can also be diagnosed at an urgent care center, where they may send you onto a hospital depending on the degree of injury.   Walk-in clinics offer you fast, quality medical care and, in most cases, for a lot less money than the ER. This is why it is important to be aware of your ER alternatives before you need them.

Urgent care and walk-in clinics

The arrival of winter means planning the perfect ski vacation for many people. What many people don’t realize, however, despite the hundreds of ski accidents that occur each year, is that winter sports may not be covered by their medical insurance plan. Nearly half of skiers on the slopes are not covered by vacation insurance and only 1 in 4 knows enough to ensure they are covered while skiing. 

 

Do you have proper insurance for your winter sport activities? 

Part of the fun of skiing and snowboarding is the element of danger involved, but you need to be certain you are protected in the event of the unexpected.  Even if you've been able to avoid an accident on the slopes, they do happen and you need to be prepared.  

You need extreme sports travel insurance, just in case you are injured, to be afforded these benefits: 

Medical Expenses. These benefits cover you if you need medical care on the slopes. It will also cover care at a medical facility in any country you visit. 

Emergency Medical Evacuation. These benefits will provide you with medical transportation to the nearest medical facility where adequate care can be received or back home, as necessary. 

Multilingual Emergency Assistance. This service helps coordinate your emergency medical care. It will keep you, and the medical staff caring for you, in touch with your family. 

You should be aware that a basic travel insurance plan may not be enough. Some providers exclude coverage for skiing and snowboarding and may require that you purchase an optional "extreme sports" rider to include winter sports insurance coverage. Also keep in mind that if you are a more adventurous skier who travels off-piste (out of marked bounds), you will want to make sure your plan includes cover for that also. Even if you are not a skier and you do not plan to hit the slopes this winter, it is important to make sure you have adequate coverage in the event of an accident or illness, regardless of the activities you may be pursing.

MHG Insurance Brokers offer a full line of individual and group insurance benefits for travelers and winter sports fans. Our wide selection of plans include medical insurance, US life and health insurance, disability income protection, life insurance, financial services, and property and liability insurance. MHG offers phone numbers from around the world so you can contact us easily and conveniently from anywhere around the world. Contact us to learn more.

Are You a Winter Sports Fan? Are You Skiing This Winter and Is It Covered by Your Insurance?

Did you watch the London Olympics?  Have those athletes inspired you to take up a new sport or get back to the one you love? 

 

Now that the closing ceremonies are complete are you looking to travel and have an adventure of your own? How about some rock climbing in England? Looking to jump out of an airplane like the queen? Is white water rafting, scuba diving or some bungee jumping in your future? Perhaps some BMX or motorcycle racing is more your style. 

Whatever extreme sport you are looking to participate in you need an insurance plan with the medical benefits to keep you covered. MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client.  MHG have the health benefit plans that you need for traveling abroad and for participating in the extreme sports activities you love. 

Most traditional medical plans are not designed for international travel and usually exclude hazardous sports activities. With travel policies you have access to 24 hour international, multilingual customer service centers ready to coordinate your emergency medical services and international treatment.  The insurers offering these plans understand the language and of most countries. 

Travel insurance including cover for adventure sports is very affordable so there is no reason to participate in international extreme sports without coverage. Plans typically require no coinsurance for treatment received outside the US and Canada, while providing world class medical benefits for in-patient and out-patient medical expenses.  Coverage is available for as little as 5 days up to a year. 

Where will you be traveling? Visiting a place where medical care is at a minimum? Travel insurance plans includes coverage for emergency medical evacuation from a medical facility to the nearest qualified medical facility.  Once you are finished receiving the necessary medical treatment plans may also provide for the cost of returning you to either your home country or the country where the evacuation occurred. 

What if the person you are traveling with gets injured? Or you are home and a loved one is injured and needs you? Travel insurance can provide emergency reunion coverage for reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person.   This coverage is for either the cost of accompanying the insured during the evacuation or travel from the home country to be reunited with the insured.   

When a loved one is injured, you have enough to worry about, so let the insurer help you. Before you go for the thrill make sure you are covered for those sudden and unexpected accidents and illnesses.  MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.  

Olympic Inspired Adventure Travel Insurance

The experts say if you do something every day for 30 days it will become a habit. Summertime is the perfect time to develop healthy habits that can create positive lifestyle changes.  

 

For a healthy lifestyle one needs to eat healthy, be active, protect yourself and your family, manage stress and get regular checkups by your doctor. Eating healthy is an easy habit to develop in the summer with the variety of fresh fruits and vegetables that are available.  Stop by a farmer’s market and try some  of the amazing fruit that is in season right now. Make sure you eat a variety of fruits and vegetables each day and include some whole grains.

Limit foods and drinks high in calories, sugar, salt, fat, and alcohol. A balanced diet combined with physical activity will help keep you at a healthy weight. Children and teens need to be active for at least one hour a day and outdoor activities are plentiful this time of year.  Include activities that raise their breathing and heart rates and that strengthen their muscles and bones. Adults should be active for at least 2½ hours a week. You should also include activities that raise your breathing and heart rates and that strengthen your muscles. With the long summer days there are plenty hours of sunlight to get moving in.  

Physical activity helps to maintain your weight, reduces high blood pressure, heart attack, stroke, and several forms of cancer. Arthritis pain, depression and anxiety symptoms are also reduced by physical activity. When out enjoying the summer days remember to wear sunscreen and insect repellent.  Protect yourself and your family from injuries with seat belts, helmets, and protective sports equipment. Eating right and daily exercise will help manage stress.  

Remember to balance work, home, and play.  Everyone needs a support group of family and friends. Relaxation and meditation are great stress relievers, take time for yourself.  And strive for 7-9 hours of sleep each night, children including teenagers need even more sleep.  If you are still feeling over whelmed or depressed counseling may be needed. 

Remember to schedule regular checkups for you and your family with your doctors.  Discuss your health problems and risks and devise a plan for improvement.  Find out what exams, tests, and shots you need and when to get them. 

A little prevention goes a long way to help ensure a long and healthy life. Check with your broker to see if your health benefits plan covers for those regular checkups, tests, and shots. It is important that you know your coverage before you need it. MHG your Marine Insurance Broker offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. 

Whether you are looking for specialty marine crew insurance, individual health insurance plans, family health insurance plans, or group health insurance plans, the experts at MHG Insurance Brokers have the resources to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.   

Healthy Living Tips From Your Marine Insurance Broker

Yacht Crew Insurance

You have landed that dream job aboard a gorgeous yacht and are excited about the places you will visit and the people you will meet, but did you ask your employer the important questions?  How and when are you going to be paid? Will taxes be taken out of your pay? And what about insurance?  Health insurance, disability insurance, life insurance? 

 

“Look at salary as one part of total compensation package including vacation, travel stipend, medical insurance, opportunity for continuing education, etc., as those are real costs and represent another $10,000-15,000 in additional benefits that many employers now pay,” said a chief stew in The Triton survey of crew members. Most crew members, about 70 percent, are paid monthly with the rest receiving their pay every other week.  

More than three-quarters of them receive their pay through direct deposit or wire transfer, most of the rest received a paper check.  Very few are paid in cash and they are usually on smaller yachts. The U.S. dollar is the most popular form of currency for crew pay, about 82 percent, regardless of where they work in the world.  Most of the remaining crews receive their pay in Euros. 

Nearly 70 percent of crew members do not have any taxes deducted through their paychecks.  However, you are still responsible for taxes due, if any, in your home country. Many US crewmembers are paid as independent contractors and receive a 1099 form for wages and tips earned and will owe taxes.

Many long-term US crew have created corporations, and in that case the yacht pays the corporation, which in turns pays the crewmember.  The corporation then pays all the taxes, travel expenses and health benefits, which can be advantageous.

If your employer does not provide health insurance you need to obtain your own, so you are covered in case of an accident or illness. MHG Insurance Brokers works with several insurers to provide you with the medical benefits that you need for your new career and lifestyle. We offer health benefit plans designed specifically for captains, officers, and crew. With several plans to choose from, MHG can recommend a plan specifically designed for an individual or a group.  

MHG also offers plans suited for seafarers who need spouse and/or dependent coverage. MHG’s expert staff can assist you in selecting the medical insurance coverage that best fits your situation. We offer worldwide medical coverage or the option to exclude the US and Canada for reduced premiums.  Plans can also offer optional term life and disability coverage, special crew member return benefits and out-of-the-country legal expenses.   If you are on a yacht with recreational water sports and scuba diving, 

MHG has a plan to cover you. Do not let your dream job turn into a medical nightmare.  Life on the water can be hazardous, and in the unfortunate event of illness or injury, you need a quality plan. As a yacht crew marine insurance broker MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each client. Whether you are looking for crew insurance, travel insurance, or group insurance plans, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your specific requirements. Contact us today at 877-278-7400 to learn more.

Yacht Crew Insurance

Hurricane season officially started June 1st, are you ready?  

 

The National Oceanic and Atmospheric Administration (NOAA) predicts a near normal 2012 Atlantic hurricane season with nine to 15 named storms, of which four to eight will strengthen to a hurricane with winds of 74mph or more and of those, one to three will become major hurricanes with top winds of 111mph or more. While these numbers are slightly below average for hurricanes for the region, it only takes one storm to make landfall for a major disaster. Are you prepared for hurricane season?  

By now you should have completed all necessary pre-hurricane season preparations, but if you haven’t, looking at your insurance policies to ensure you have adequate coverage in place would be a good place to start. It is important to know what you are covered for and what your deductible is. Are you covered for windstorm, flooding and other storm related damage? 

Many homeowners and business owners do not realize that most windstorm policies do not cover flooding, and include a 30-day waiting period before flood insurance coverage becomes effective. “When a tropical storm or hurricane threatens Florida, you can’t buy or modify coverage, so plan ahead.” suggests Laura Lieberman, General Manager of the Business Insurance Division of MHG. “Most of the carriers follow Citizens so if they have suspended binding authority, chances are the other carriers have too.” 

Take time this weekend to review your insurance coverage and get the rest of your hurricane plan in place. Don’t forget to check your shutters, generator, take pictures of the outside and inside of your property, gather important papers, place them in a plastic bag, and store in a safe place. Also, trim dead or weak branches from trees as they can become missiles. It is important to have an evacuation plan, including a family meeting spot, shelter location if needed, and to make arrangements for your family pets as not all shelters are animal friendly.   

Prepare a disaster kit.  This kit should include enough food and water for each family member for three days, a battery-powered radio and flashlights, an emergency contact list, personal hygiene items, cash (no electricity means no working ATMs) and first aid materials.  If any in your family requires regular medication make sure to include an ample supply.  

Lastly, be sure to fill up your gas tanks ahead of time as the lines at the gas station will increase as the storm nears.

MHG Insurance Brokers urges you to be ready for hurricane season. As an insurance broker, MHG works for you, our client. We research the market to find the best suited plans based upon your needs, future plans and budget requirements. Whether you are looking for commercial insurance, comprehensive health benefit plans, life insurance, travel insurance, trip cancellation insurance, or a specialty marine medical plan, speak with the insurance specialists at MHG. Contact us today at 877-278-7400 to learn more.

Get Marine Business Insurance Through Hurricane Preparation

Travel Abroad Insurance

Passports and tickets, check! Money and camera, check!  Suntan lotion, check! Travel insurance… hmm. 

 

Summer is nearly upon us and that means it is time to finalize your summer travel plans. Whether you are jetting down to the Caribbean for a little R & R, cruising the Mediterranean or conquering the Great Wall it is important to be prepared for your trip and all emergencies that could pop up. What would you do if you or a family member got a bad case of food poisoning or worse yet, were involved in a bad car accident? 

Traveling abroad can be an exciting experience; however, a medical emergency can arise at any time and the lack of appropriate insurance could expose you to serious financial liability.  The good news is that travel insurance is very affordable and easy to apply for! As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad.  

Most traditional medical plans are not designed for international travel or can be difficult to use while outside your home country. With a travel insurance plan from one of our designated carriers, you and your family will have peace of mind knowing that you are prepared for your trip.

MHG offers the Atlas Travel Series, a short-term health insurance plan administered by HCC Medical Insurance Services, which provides coverage outside your home country from five days to one year. The plan includes coverage for emergency air/ground transportation to the nearest qualified hospital, hospital room and board and acute onset of a pre-existing condition among other benefits. Choose from a deductible ranging from $0 to $2,500 and maximum limits from $50,000 to $1,000,000.  

Do you know the current passport, visa, inoculation and vaccine requirements as well as travel safety advisories for the countries they will be traveling in? HCCMIS does!  

Are you planning to do some adventurous sporting activities while on vacation? Cover for most sports are automatically included! And it is no problem if you’re leaving right away, enrollment in the Atlas Travel plan is available online and same day coverage is available. 

Looking for a plan with higher coverage limits but that is still within your budget? MHG Insurance Brokers offers Patriot Platinum Travel Medical Insurance, administered by International Medical Group (IMG), provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. Deductibles range from $0 to $25,000 and maximum limits from $1,000,000 to $8,000,000. Coverage is available for a minimum of 10 days up to three years and in addition to emergency air/ground transportation to the nearest qualified hospital and hospital room and board and many other benefits.

Patriot Platinum also includes exclusive access to IMG’s Global Concierge, a dedicated service team for providing a variety of assistance services. Patriot Platinum has an optional adventure sports rider available for all you adventurous travelers out there. Enrollment in the plan is available online and next day coverage is available. 

Before you and your loved ones head out for summer vacation, make sure you’re covered for those sudden and unexpected accidents and illnesses that could arise. 

At MHG Insurance Brokers, we are here to advise what insurance coverage is available to you no matter if you’re traveling to Paris or Phuket this summer. Whether you are looking for travel insurance, health insurance, disability income, life insurance, commercial insurance, the experts at MHG are dedicated to providing you with the advice you need in order to choose the best individual or group plan for your employees. Contact us today at 877-278-7400 to learn more or apply online.

Travel Abroad Insurance