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Almost 25 years ago, protestors in Prague, Czech Republic staged the “Velvet Revolution” which helped bring down the communist regime. Since the transition, Prague has become a top destination for those looking to experience a part of Europe that is truly one of a kind. Today, the capital of the Czech Republic is a cosmopolitan city with cozy and chic cafes serving delicious Czech foods like dumplings or fried cheese, Gothic cathedrals with architecture dating back thousands of years, and plenty of museums showcasing the incredible history of the region. Prague also is home to world famous nightlife. There are bars all around the city that you can pop into for an authentic Czech beer, or go clubbing at some of the various spots such as Cross Club or Bunkr Parukarka.

 

For those that don’t remember, the end of last year we wrote a blog, “The Top 5 Places to Visit in 2015.” Number five on that list was Prague, Czech Republic!

 

Prague Castle

One of the largest castles in the world, Prague Castle can take days to fully explore and appreciate everything it has to offer. Easily the top tourist destination of Prague, it was once the seat of power for the Kings of Bohemia and Holy Roman Emperors, and is still the home of the Crown Jewels of Bohemia. Today it is the seat of power for the President of the Czech Republic.

The Castle and grounds are made up of a plethora of different buildings varying in architectural styles ranging from the 10th to the 14th century. Walking through the grounds will put you right into the medieval times as you surround yourself by ancient buildings and walk along cobblestone streets. Some of the world famous buildings and attractions that make up the castle include St. Vitus Cathedral, Old Royal Palace, and St. George's Basilica. Many of the attractions warrant a visit, so plan accordingly when developing your itinerary in order to make the most of your time.

 

Old Town Square

Old Town square is a historic area located in the heart of Prague. The square is lined with gothic style buildings such as the Church of Our Lady before Tyn and the Church of St. Nicholas and statues such as the one of Jan Hus. A common theme throughout Prague is the historic feel from the older buildings and roads, which there are no shortage of here. One of the truly amazing attractions in the Old Town Square is Prague Orloj, an astronomical clock that was built in 1410. It is the third oldest astronomical clock in the world, and the oldest one that is still operating.

 

Charles Bridge

Charles Bridge is a famous bridge in Prague that crosses the Vltava River. Construction began in 1357 under the order of King Charles IV. The bridge is lined with 30 Baroque statues of religious figures, totals 16 arches and is 1,700 feet long! Take a stroll along the cobblestone and experience the amazing culture of Prague, as vendors line the bridge selling hot dogs, making jewelry, and painting beautiful scenes that you will surely want to hang up on your wall at home to forever capture a breathtaking site.

 

Museums

Prague is a very historic city, with much of its history dating back thousands of years, which is music to the ears of culture buffs looking for new experiences. With so much historic relevance from the area, it’s no wonder Prague is home to a variety of museums that should be on your itinerary. Visit the Prague Jewish Museum and learn about the Jewish heritage of the area and see some priceless artifacts of the Jewish community. If you’re looking for something unique to do, you can visit the Prague Beer Museum to do some tasting of Czech Republic Lagers. Other museums you may want to consider visiting include the National Museum, the Museum of Communism, and the Prague National Gallery.

 

Dancing House

If you are looking for a break from the historic buildings and museums around the city, make sure you visit the Dancing House, or Fred and Ginger. This quirky, and unique piece of architecture has gotten a lot of attention since its construction completed in 1996. Much of it because it doesn't match or blend in to the surrounding Gothic and Baroque architecture. The building was built by Vlado Milunic and Frank Ghery, and was given the nickname Fred and Ginger by Ghery after the famous dancers Fred Astaire and Ginger Rogers because the house resembles a pair of dancers.

 

Now that you know where your next trip will be, don’t forget to protect yourself by getting Travel Insurance.  Visit mhginsurance.com or call +1 954 828 1819 or +44 (0) 1624 678668 for help in selecting the plan that fits you best. Check out our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” as it is important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad. Our insurance specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Safe travels!

Discover the Sights and Sounds of Prague

It’s that time of the year! That time where everyone looks back on the past year and makes changes for the upcoming one. Whether it is taxes, budgets, even weight loss, the motto is “out with the old, in with the new!” However, you may have not originally thought to review your life insurance policy. It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy, and see if it still offers the coverage you need.

 Do You Have New Dependents or Family Members?

A lot can change over the course of a year, especially when it comes to relationships and families. Did you get married? Did you have children? Do you have new dependents in your life that may need to be made a beneficiary of your life insurance policy? These are all questions you should ask yourself when reviewing your policy. Also, maybe you need to increase the overall value of the policy to account for new dependents.

Did You Have Any New Major Purchases or New Debts?

Many times, people decide on the value of their life insurance policy based on their outstanding debt. For example, if you have a mortgage of $200,000, it would be smart to include $200,000 in your calculation for your life insurance to cover the cost of the house if something were to happen to you. Purchases such as buying a house, buying a car, starting a business are all ways to increase your debt, and should be taken into consideration when deciding the value of your policy.

Did Something Change at Your Job?

There are scenarios of changes at the workplace that should give you a reason to review your life insurance policy. One is if you were to start a new job. There is a chance that your job offers employee sponsored life insurance based on your salary. This is a great benefit to have, so take the amount of coverage provided into consideration if you are purchasing a policy.

If you didn't start a new job, there are still changes that may have occurred over the past year that warrant a policy review. Getting a raise may give you more expendable income to increase your policy value. Also, if you received a promotion, there may be changes to the benefits provided to you such as the value of your life insurance policy.

Did You Move?

Moving always seems to bring more changes to someone's life than they originally expected. If you moved to a foreign country, there is a strong possibility that your life insurance coverage didn't follow you to your new home. Many life insurance policies are only covered in the country of purchase. However, it should be noted that there are several options for international life insurance coverage. If you would like more information on international life insurance, read our previous blog "Your Life Insurance May Not Have International Coverage".

Our wellness and security is important to us. For other things to consider with the New Year right around the corner, read our previous blog, “Learn Why the Start of a New Year is Important to Your Insurance Benefits”. Whether you are purchasing life insurance for the first time, looking for better coverage or are interested in learning more about other types of insurance available to you, we can help! Visit our website at www.mhginsurance.com or speak with an Insurance Specialist at 954 828 1819. Don’t forget the deadline to enroll in a full-time health insurance plan is January 31st, 2016!

When Was the Last Time You Reviewed the Amount of Your Life Insurance Policy?

Many people consider the "Holiday Season" their favorite time of the year. With so much going on from decorating the house, to baking treats, and getting all of your holiday shopping done in time, this time of the year can also bring some stress. Especially if you have a trip scheduled!

Packing for a trip can be difficult, no matter how many times you double check to make sure you have everything, it can feel like you are still forgetting something. Going on a trip this time of year also leaves you less time to complete all of your other holiday tasks. Don’t become overwhelmed and not properly prepare for your trip, follow these tips to help get you ready to go.

1. Do Your Research

No matter where you are going for your holiday trip, it is important to do your research. Even if you have been there multiple times, it's important to see what the weather forecast and temperatures are expected to be. This will let you pack the proper clothing needed to stay warm, or cool.

Also, it's a good idea to make a list of all the items that you need to pack. Cross off each item as you put it into the bag in order to keep track of everything and minimize your chances of forgetting something.

2. Bring Cash

I'm sure you have heard this saying time and time again, "Cash is king!" Carrying large amounts of cash may not always be the best idea, but going a trip is an exception. If your credit card happens to get compromised while you are away, it will be shut down leaving you with no other way to pay for things. Also, there is a chance that some places you are going don't accept credit cards. Don't take a chance and find yourself stranded in a foreign place.

3. Carry-On Luggage

If traveling on an airplane, there are certain items that should be put in your carry-on bag. Any breakables you are taking should be kept with you at all times. Also, your toiletries should be put in your carry-on luggage in case you need to freshen up at the airport. Most importantly, any prescriptions you have or medications you are taking should be kept in your carry-on. In the event that your luggage is lost, you will still have the medicine you need.

4. Save Space

Whenever you are packing for a trip, saving space is a must. There are several different tips to help you get the most out of your luggage. Try rolling your t-shirts instead of folding them. Also, you can stick rolled up clothing inside your shoes. If you have any large jackets, it may be a good idea to wear them or carry them so they don't take up space in your suitcase.

5. Gifts and Souvenirs

If you are going on a holiday trip to see family or friends, there is a good chance that you will be traveling with gifts. Depending on the gift, it may be better to ship the gift to your destination separately. Or you can plan ahead by only getting small presents that you know will be able to fit in your luggage. Be sure to leave space in your bag for any souvenirs that you may buy, or gifts that you may receive.

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to obtain trip cancellation and travel insurance, along with other insurance plans that will make your trip an exciting, hassle-free experience! MHG Insurance Brokers hopes that you arrive and return safe and sound. For more holiday travel tips, read our previous blog, "Save Time and Money with These Holiday Travel Tips". Happy Holidays!

Packing for a trip can be difficult, especially during the holiday season. Follow these tips to help get you ready to go.

activeDo you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active? Trying to find time for yourself, or time to work out can be quite a challenge when working full time. After all, spending the majority of your day at work and battling rush hour can take a lot of energy. Yet, there still is no excuse for taking care of yourself. Living a healthy lifestyle is important, and sometimes it can feel like work gets in the way of that. So if you find yourself willing to try something new in order to stay active while working full time, follow some of these great tips! 

 

1. Get Up Early Waking up early can be a drag if you aren't a morning person. Hitting the "snooze" button is almost unavoidable. While it may take some will power and extra motivation, getting up earlier to work out can have an amazing impact on your day. For one, exercising in the morning is a great way to start the day, get your blood pumping, and give you that feeling like you are ready to take on the world. You will even find that by working out in the morning that you may be sharper throughout the day. 

2. Ride Your Bike or Walk to Work One fun way to try and stay active is to walk or ride your bike to work. While this option may not work for everyone, those that live in close proximity to their job should give it a try. Enjoy the scenery, get some fresh air, and have some time to clear your mind before starting your day at the office. The best part is that you will be saving money on gas! 

3. Take Periodic Walks While on the job, you want to be productive as you possibly can. So taking a long walk might be a bad idea. However, try breaking that long walk into shorter ones throughout the entire day. Use a bathroom break to walk around the building for a few minutes. Doing this every couple of hours will add up, and by the end of the day you might be surprised how much you have walked. Try wearing a pedometer to help keep track of your steps and help you reach any daily goals you might have.

4. Join a Gym Close to Work If you work close to a gym, consider getting a gym membership there. You can go for a work out on the way in or just after you get off. Waiting until you get home to exercise is another option, but after having along day on the job and having to battle through rush hour can leave you feeling exhausted by the time you get home. 

5. Use Your Lunch Break Going on your lunch break is one of everyone's favorite parts of the day. If you plan on eating at nearby restaurant or are picking up food to take back, try walking instead of driving. Or if you joined a nearby gym, try going there during your lunch break to save time. Just be sure to shower before heading back to the office, no one wants to sit next to the sweaty person. 

Here at MHG Insurance Brokers, we look forward to sharing tips and information with you that may help keep your stress levels down, and your quality of life up! For more information on the criteria for individuals, read our previous blog, “New Open Enrollment Dates and Penalties!” Whether you are purchasing health insurance for the first time or already have a plan in place, or are simply looking for better coverage, we want to help you find an affordable health plan that works for you. MHG Insurance Brokers is an Affordable Care Act certified insurance brokerage, and can offer you expert advice and solutions for you, your family, or your business. If you have any further questions or concerns about the Affordable Care Act and open enrollment, please feel free to contact us here by calling 954-828-1819, or visiting mhginsurance.com! Don’t forget, Open Enrollment began on November 1st and runs through January 31st, 2016.

5 Tips for Staying Fit and Active While Working Full Time

Kelly Morris

Fort Lauderdale (December 10, 2015) – MHG Insurance Brokers announced today that Kelly Morris has joined the company as Claims Specialist. Morris will be part of the claims team, based in the US, extending MHG’s claims support capabilities across 3 time zones. Her primary focus will be on claims support for international health policies. 

Morris joins MHG Insurance Brokers with over 12 years of international insurance experience. Throughout her insurance career at International Medical Group (IMG) she has had several responsibilities from sorting mail in the missionary claims department in her early days to becoming the primary sales service contact for mission, marine and Bahamian brokers, who represented over $25 million in annual premiums. 

“Kelly is extremely experienced in the international insurance industry.” said Peter Dudzinski, Underwriter and Broking Director for the MHG Group of Companies. “For several years she was our go to person on the claims handling side at International Medical Group. Not only was she a great advocate for MHG but also a great partner to work with and I’m pleased to now have her as a member of my team.”

MHG continues to be at the forefront of developing insurance solutions and products to meet the changing needs of businesses and individuals around the world. Most recently, the Insurance Specialists at MHG developed a new travel insurance program exclusively for U.S. Superyacht Association’s members which covers medical expenses while employees are traveling outside their home country. 

About MHG Insurance Brokers 

Since 1991, MHG Insurance Brokers has been committed to providing expert insurance advice and innovative solutions for the marine, aviation, energy and related industries. Today, with over two decades of experience and relationships with some of the world’s top insurance markets, MHG has established an enviable reputation for providing quality advice, products and service for groups, businesses and individuals around the world. Based in Fort Lauderdale, Florida MHG has Insurance Specialists worldwide, with offices in Houston, Isle of Man, the Cote d’Azur and Hamburg. For more information, please visit https://mhginsurance.com/.


MHG Insurance Brokers Hires New Claims Specialist

hamburg

Achtung! When thinking of Germany, there are a few things that come to mind like Oktoberfest, the Autobahn, German automobiles, etc. Germany is considered to have one of the top economies in the world, with major international companies such as Mercedes-Benz, BMW, Adidas, and Allianz based within its borders. Germany is also one of the most popular migration destinations in the world, partly because it is famous for having a universal health care system. You'll have no problem finding fellow expatriates and making lifelong friends with others who are going through the same experiences as you. So start brushing up on your German, and get ready to make the transition of a lifetime to Hamburg, Germany! 

Unique 

Home to over 1.7 million people, Hamburg is the second largest city in Germany and the eighth largest in Europe. One of the reasons Hamburg is a great place to live is because there is such a large international community, creating somewhat of a “melting pot”. There is so much creativity throughout the city, from the art, to the architecture, to the food, it is easy to see the impact of many different cultures living in one place.

Hamburg is unlike many of the other cities in the country. There is a rich maritime history, diverse cultures, and always something to do. You also may notice that there are a plethora of bridges, over 2,300 to be exact! That is more than London, Venice, and Amsterdam combined!

Maritime 

The city is located on the southern point of the Jutland Peninsula, right on the River Elbe. Since it is so close to the North and Baltic Seas and located right on a major waterway, Hamburg is the largest port in all of Germany. Over time, Hamburg has become a very important trading hub due to its port and harbor, and today it is one of the busiest ports in Europe, second only to Rotterdam.

It’s no wonder Hamburg has such a rich maritime history dating back to its establishment in the 12th century. You can learn more about its history at many of the museums in the city, and there are tons of other things to do involving the water! Also, due to its close proximity to many bodies of water, it is also one of the best places in Germany to get fresh fish. 

Stay Busy 

There is always something to do in Hamburg; different festivals, a variety of community events, and seemingly never ending options for night life, it will be hard for you to find yourself “bored”.  Hamburg also has a great shopping district. Everything from worldwide household brand name stores, to local boutiques that are sure to offer items that can’t be found anywhere else. It is also easy to stay active as many choose to walk or bike everywhere. 

Before relocating to another country, trying to find expatriate health insurance coverage on your own can be a daunting task. Not to mention the checklist you must complete before leaving. For help developing a checklist, read our previous blog, “Expat Checklist before the Big Move.” 

Many of us at MHG are expats ourselves and we understand the global insurance needs of international businesses, and individuals and families living and working around the world. Our Insurance Specialists have the experience, knowledge, and access to multiple international insurance carriers to find you the most suitable plan based on your budget and future plans. Our commitment to your well-being does not end once you have purchased a plan; through our “Concierge Broker Service”, we will continue to assist you with questions about your policy and provide assistance throughout the claims process. Call us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you and your family or business!




Home to 1.7+ million people, Hamburg is the 2nd largest city in Germany, and a great place to live. Learn why you'll never be bored calling this place home.

The 5 Best Places for Skiing

skiThe temperatures are dropping, and the snow is beginning to fall. It’s that time of year to dust off your skis and snow boards and start looking into what place you will be going for a ski trip. Aside from the holidays, ski trips are something that comes with this time of year that people really look forward to. Whether it’s getting to see some of the most breathtaking sites Mother Nature has to offer, being able to get an adrenaline rush, or cuddling in front of a fireplace in a cabin in the mountains, here are 5 of the best places to plan your next ski trip.


Whistler, Canada 

Whistler, Canada is one of the most popular destinations around the world when it comes to going on a ski trip. Located in the Coast Mountains just outside of Vancouver, Whistler has plenty to offer those who are ready to get on the slopes, and do some sightseeing. Stay at Whistler Blackcomb which is rated the number one ski resort for 2016 by Ski Magazine.

There are also some things to do in Whistler if you would like to take a break from the slopes. Visit the Olympic Park which was home to the 2012 Winter Olympics in Vancouver. You can also take nature and wildlife tours to see some animals you can only see in this area, and sights that are unmatched anywhere else in the world. Or if you are looking to get an adrenaline rush in a different way, there are a plethora of mountain biking paths.

Aspen, Colorado

Located in the heart of Colorado and the Rocky Mountains, Aspen should be on every skier’s destination bucket list. Being able to get into touch with nature, having the beautiful Rocky Mountains as a back drop, it’s no wonder Aspen boasts one of the more expensive real estate values in the U.S. Not to mention, you can ski on the same snow as some of the world’s most famous athletes like Sean White, who compete here every year at the X Games. Take a short trip to see Maroon Bells, which are two peaks in the Elk Mountains both measuring higher than 14,000 feet!

Zermatt, Switzerland 

Zermatt is known around the world for its skiing, and is surrounded by the mountains of the Pennine Alps. There are four areas for skiing, Sunnegga, Gornergrat, Klein Matterhorn, and Schwarzsee.  You will also have a one of a kind, crystal clear view of the Matterhorn, which stand 14,692 feet high, making it one of the tallest peaks of the Alps, and of Europe. One reason the view remains crystal clear is because Zermatt only allows electric vehicles to help smog from building up. 

There is also Matterhorn Glacier Paradise, where you can go to the highest cable car station in Europe. This will also offer you the opportunity to see Matterhorn from a different side, and offer views that seem to be never-ending.

Les Trois Vallées, France 

Les Trois Vallées (The Three Valleys) is a region located in Savoie, France and consists of three valleys: Saint-Bon, Allues, and Belleville, and has been extended into a fourth valley called Maurienne. The three valleys are connected by ski lifts and slopes and creates one of the largest ski areas in the world! This area is also famous for being home to a plethora of world class ski resorts such as Courchevel, Méribel, and Val Thorens (the highest ski resort in Europe). 

Portillo, Chile

Chile is one of the few countries in the world that can offer mountains and amazing skiing, and have a beautiful beach just a few hours away. Portillo, Chile is a ski resort in the Andes Mountains just a few hours from Santiago. Many Olympic ski teams are known to practice and train on these slopes, making it some of the best skiing in the world. Portillo was designed around the Lake of the Incas, which is a lake in the middle of the mountains that offers great photo opportunities year round.

Read our previous blog, “Most Common Travel Insurance Claims,” to help prepare you even more for the claims process. Planning a fabulous summer holiday? Read our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” and don’t forget to pack your travel insurance! Not sure which plan is right for you? Speak with the insurance specialists at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to help identify the right travel insurance plan for your particular situation. Have a wonderful vacation!

It’s that time of year to dust off your skis and snow boards and start looking into what place you will be going for a ski trip.

Is Your Food Truck Covered?

food truckOne of the most popular and fastest growing parts of the food industry are food trucks. People seem to have an infatuation with them, that doesn’t seem to be going away anytime soon. As almost every city has a weekly night that residents come and line up to taste the newest and coolest food creations from unique food trucks, many of us don’t think of the work and investments that goes into making a food truck successful. While many decide to go the route of having a food truck rather than opening up a restaurant because it doesn’t require the same costs, it still does require certain insurance coverage. 

 

Breakdown 

It's important to protect your vehicle since you depend on it in order to make a living. There are several different types of insurances you will need in order to ensure that your food truck will have the proper coverage that it needs, and coverage that is required by many locations such as city parks.

General Liability Insurance 

General liability insurance is important for any business to have. It should cover you and your business in areas that may offer a liability issue or products or services that you are liable for. For example, if a guest sits in a bad chair and injures themselves, general liability insurance should offer you protection form a lawsuit.  This insurance will take into consideration the revenue of your business to rate your policy. 

Automobile Insurance 

While you are driving the truck to the location you plan on setting up to serve food, the person driving behind you was texting and driving and rear ended you. No matter how careful you drive, accidents on the road can be unavoidable. Having auto insurance is a necessity by law for any vehicle that is on the road. 

Property Insurance

Property insurance works much as it would if your truck was an office or a building. The coverage will insure anything inside of the truck, including equipment such as refrigerators, fryers, and any tables and chairs needed for guests.

Loss of Income Insurance 

It's important for any business to have a loss of income insurance policy in the event that there is a loss of income. Whether it is a natural disaster or other covered loss that puts your business out of operations, having this insurance will give you the ability to pay bills when you are unable to operate.

Workers' Compensation Insurance 

If you have employees or plan on developing a staff, you need to consider purchasing a workers' compensation insurance policy. There are certain laws depending on the state that you live in regarding workers' comp. Do your research to make sure you are properly covered according to the law. 

Also, working in a food truck may require to work with potentially dangerous tools such as ovens, knives, etc. Accidents happen, so make sure you are properly prepared for them in the event that one of your workers has an accident in the workplace that will keep them from being able to work. 

Other Insurances to Consider 

Some other types of insurance that you may want to consider depending on the type of truck you have include refrigerated truck insurance and commercial van insurance. 

Package Deal

All of these different types of insurances may be a bit overwhelming, but here at MHG we want to make things simple for you. We can put together an insurance package that will properly cover your food truck, so all you will have to worry about is serving up more delicious dishes!

If you own a business, and are looking for protection and would like more information about business insurance coverage, we would be happy to assist you. Also, if you are looking to purchase various forms of business insurance such as General Liability or Professional Liability, our insurance specialists have the experience to assist your business and offer advice in finding the perfect plan to fit all of its needs. For more information about the importance of umbrella policies, read our previous blog, “Why Business Owners Need an Umbrella Policy.” Contact us today at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Food trucks are very popular. Learn more about insurance coverage for your food truck, so that you can focus on serving more delicious dishes!

fallFall is here! Who’s ready to see the leaves change, watch some football, cuddle up in the cooler weather, and eat pumpkin flavored everything? This time of year also brings one of the best times to go on a trip. The kids are back in school, and most places are transitioning from being in-season to off-season or vice versa, which typically means less crowds and better deals. I’m sold! Now just to decide where to go…       

  


Burlington, Vermont vermontBurlington happens to be the largest city in Vermont, however that isn’t the reason you should be planning a stay in this city. Step outside, take a deep breath, and smell the autumn in the air as you gaze upon colorful leaves and natural beauty. For those who are looking to get in touch with some American culture, you can visit the Shelburne Museum.       

  

Kyoto, Japan kyotoThe fall season is one of the best times to visit Kyoto. Being able to see the leaves changing from green, to yellow, orange, and red among the unique Japanese architecture is a one of a kind experience. Some places that are considered “must-see” include the Imperial Palace, which was at one point the palace of the ruling Emperor of Japan, Arashiyama Bamboo Grove, a bamboo forest full of wildlife will offer an experience that you won’t be able to replicate anywhere else, and Kinkaku-ji (Golden Pavilion), which serves as a Zen Buddhist temple and is one of the most popular buildings in Japan.  

  

Toronto, Canada torontoToronto is considered the “New York City of Canada!” Visiting this great city in the fall is perfect timing, right in between when it is scorching hot from the summer, and freezing cold in the winter.  There is so much to do in Toronto, you may want to book a second trip before you are finished with your first. Go to the top of the CN Tower and stand in the middle of Toronto’s skyline. Or visit the Distillery District where you can choose from different café’s, galleries, and a brewery to pop in to and get cozy. A place famous for maple trees, how could you not want to see the giant maple leaves turn and signal the fall season?   

  

Cumbria, England cumbriaThose who love the outdoors will be in heaven in Cumbria as it is one of the best places in England to get in touch with nature. Take a walk or a bike ride along one of the many lakes in the Lake District and feel the crisp autumn breeze come off the water. Or visit Carlisle Castle which is over 900 years old, and was the site of many battles. Any trip to this area is incomplete without a visit to Hadrian’s Wall which served as the northern limit and a defensive structure for the Roman Empire. It’s easy to see how this is Northern England’ most popular tourist attraction!  


Perthshire, Scotland perthshireIt makes sense to visit a place nicknamed “Big Tree County” in the fall. Perthshire is home to ancient forests which are sure to offer sites you have never seen before. Gargantuan trees with leaves falling and turning colors, you’ll definitely be taking some back home for the scrap book. Go on an adventure and go white water rafting, or visit the Scottish Highlands, and of course you can’t visit Scotland without playing a round of golf at one of the world’s most famous courses. If you’re feeling lucky, take the short trip to Lock Ness and see if you can get a glimpse of Nessie!   


Great Smoky Mountains National Park, Tennessee smokey mountainsWho doesn’t want to get away from society and go unwind on a secluded vacation? A trip to the Smoky Mountains will get the job done. Stay in a cabin in the mountains where all you have to do is wake up and look out your window to see the colors of fall. This time of year is a great time to visit as you will see the orange, red, and yellow leaves throughout the mountains with rivers winding through creating waterfalls that are sure to take your breath away.     


Napa, California napaWho needs an excuse to go to “Wine Country?” Drink wine, sip wine, taste wine, and drink some more wine, sounds like those are all the reasons I need! Tour some of the world’s most famous vineyards as you gaze upon endless rolling hills of colorful grape vines. Stay at a quaint bed and breakfast, or a luxurious resort, Napa can cater to all.       


Douro Valley, Portugal douro valleyDouro Valley is quickly becoming one of Europe’s great wine destinations. Get away from the hustle and bustle and have a hillside picnic in the vineyards, or eat at some of Portugal’s best restaurants. Oh, and drink some wine! 




Bruges, Belgium brugesIf you’re a history buff, Bruges should be at the top of your list. When visiting this historic city, the architecture will make you feel like you are back in the medieval times. A visit to this city isn’t complete without going to the Historic Centre where you can see original Gothic buildings dating back hundreds of years. Bruges is a canal-based city much like Venice or Amsterdam, so don’t leave without having a romantic boat ride with your significant other through the city, as you cuddle together in the cool fall temperatures.     


Vienna, Austria viennaConsidered by many to be one of the most beautiful cities in the world, Vienna should be a top destination for everyone. When in Vienna, you’ll be surrounded by some of the world’s most distinct architecture, such as St. Stephens Cathedral. Go for a stroll along the Danube and see the leaves floating in the water. Or visit the Haus der Musik, a museum for sound and music, which is fitting given that both Mozart and Beethoven considered Vienna home at one point.

Visit mhginsurance.com or call +1 954 828 1819 or +44 (0) 1624 678668 for help in selecting the plan that fits you best. Check out our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” as it is important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad. Our insurance specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Safe travels!

Fall is here! Who’s ready to see the leaves change, cuddle up in the cooler weather, and eat pumpkin flavored everything? Now just to decide where to go...

attendees

The Fort Lauderdale International Boat Show is here! Are you planning on attending this spectacular event? If so, there are things you need to prepare for and begin to consider in order to get the most out of the show; from dealing with crowds, to being comfortable, follow some of these tips that will help you have a great time!

Tickets


Tickets to the Fort Lauderdale International Boat Show can be a little pricey, price at the gate will be $27 for the day or $43 for the entire show (Friday-Monday). It should be noted that children 5 and under will get in free with a paid adult, and children who are 6-15 years old will be $12.

Plan Ahead

It’s common for people to get lost, and not know where places are located within the show. Do some research and think about any events you would like to attend, or things you would like to see. It may also be a good idea to create a budget for things you may want to buy, or event tickets you are looking to purchase.

Transportation

Since this is such a large event, attended by thousands of people, parking always seems to be a nightmare. Having to park in one location, then walk to another only to board a shuttle which will then take you to the show, doesn’t seem like an appealing process. And that is only if you are lucky enough to find a space! Also, if you decide to purchase a valet ticket, the price is $60. Consider other transportation options that will save you money, time, and most importantly a major headache. Now that Uber is back in Broward County, see what the going rate is to get you to the show, or you can try the Water Taxi.

Wardrobe

This show is HUGE! It will require a lot of walking, so proper footwear is crucial if you plan on staying all day. If you are planning on wearing high heels, you may want to reconsider. Also, a large portion of the show is outdoors, so you may want to pack some sun screen, a hat, and sun glasses.

Make Reservations

There are a people from all over the world in town for this weekend. Expect delays, traffic, and long wait times at local restaurants. It may be a good idea to call ahead and make reservations at any restaurants you are considering going to. Also, try calling ahead if you plan on going to any after parties in the area and see if reservations are required.

Don’t forget, the Fort Lauderdale International Boat Show starts today, November 5th and ends November 9th! For more information on what’s what to be aware of when at a boat show, read our previous blog, “5 Things to Be Aware of When at a Boat Show”. If you are interested in purchasing Yacht Crew Insurance, or would just like to talk to us for more information or advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the Insurance Specialists to get you, your family, or group, the best coverage for your budget.

The Fort Lauderdale International Boat Show is here! Are you planning on attending this spectacular event?