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698026206When looking at what insurance plan is best for you and your crew, there are the typical thoughts that come to mind. How much is the premium? What is the deductible? Will my primary physician be in network? Yacht crew have a specific set of needs when it comes to their medical insurance plan, even more than just international coverage. What about many of the benefits that may help yacht crew, that aren’t in the insurance contract? Which is why it is so important to get to know the service and support side of yacht crew insurance. The following are several of the different points that you should be thinking about when selecting your yacht crew insurance plan.

Help When You Have a Need

The first point is pretty self-explanatory. Some companies have better customer service than others, whether it is the insurance carrier or the broker. If you don’t work in the insurance industry, it is quite easy to get confused by terminology and policy wording. Even just understanding how your policy works can be a challenge. You want to make sure you are partnering with companies that will be there for you in your time of need, whether guiding you through a medical emergency, or answering a basic question.

Stuck Paying the Entire Medical Bill

One of the more common issues seen across yacht crew insurance is crew members stuck paying for the entire medical bill and then claiming back. The main reason is because yacht crew travel all around the world, making it easy to go to a doctor, or an office, or a hospital that isn’t in your network. This is why it is so important to always ask for assistance before seeking care (especially a potentially higher cost treatment), and having a service minded insurance company can greatly assist.

Top Rated Doctors in Network

A complaint that many have regarding the medical industry is how someone can trust a doctor they know nothing about. This is especially true if you are in a foreign country with a different healthcare system (and possibly a different language!) than your home country. Do they use different practices? Different medicine? One way to combat this issue is by using a carrier that has global knowledge and experience. They may be able to help guide you to doctors who have a higher rate of successful outcomes for the type of care you need, in the area you are located.

24/7 Assistance

Medical emergencies don’t wait, and they don’t only happen during normal office hours. If a crew member is having an emergency at 3 a.m., the last thing you want to hear is a voicemail telling you that someone will contact you during business hours. It is important to make sure your insurance carrier is available and responsive 24/7.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on the importance of having a proper insurance plan, read our previous blog, “Why Yacht Crew Should have a U.S. Friendly Insurance Plan”.

The following are several of the different points that you should be thinking about when selecting your yacht crew insurance plan.

Yacht Crew Insurance Terms 101

Beginner Level, 101If you are not working in the insurance industry, there is a good chance that insurance lingo can provide you with some head scratchers. Words and terms that we don’t use in everyday life can leave people feeling confused. So we thought it would be helpful to put together a list of terms that we find ourselves explaining frequently. Hopefully this list will give you a better understanding of healthcare in general, and be able to assist you when purchasing your future plans from the healthcare marketplace.

· Annual Maximum and/or Policy Maximum - The maximum amount that an insurance policy will pay for covered medical expenses. The amount can be different depending on the policy chosen.

· Coinsurance - The percentage of covered medical costs that you pay after you have met your deductible.

· Copayment or Copay - A fixed dollar amount that you pay directly to your doctor or physician, hospital, or other medical provider (doctor visit or CT scan) at the time of service.

· Cost-Sharing - Determines how much you will pay and how much your insurance plan will cover. Various parts include deductible, copay, and coinsurance.

· Deductible - The amount that you will have to pay out of pocket each year before your insurance plan begins to pay. Some benefits are not subject to the deductible.

· Emergency Evacuation – Transport of the insured person in the event of a life or limb threatening injury or illness which requires treatment at a different location.

· In-Network - Providers that are members of the approved network for your plan.

· Out-of-Network – Any provider that is not a member of the approved network for your plan.

· Out of Pocket Maximum - The maximum you pay during a policy year before your health insurance plan starts to pay 100% for all covered benefits.

· Pre-certification - Contacting your insurance provider for approval before having specific procedures. This process, as well as which procedures require it, can be different depending on your policy.

· Pre-existing Health Condition - An illness, injury, or condition, you had before joining a health insurance plan. All ACA compliant plans cover pre-existing conditions without a waiting period.

· Preferred Provider Organization (PPO) - A plan that allows you to go to any provider that you choose, however insurance pays less for providers that are not in your network.

· Provider - A person or company that provides health care service to you such as a doctor, hospital, urgent care, minute clinic, lab, pharmacy, etc.

· Provider Network - A group of providers with specific agreements to honor a particular health insurance plan or plans.

· Repatriation - A person returning to their home country or place of citizenship.

If you have any more questions about yacht crew insurance terms, please feel free to ask us or comment below! Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on why service is so important, read our previous blog, “Yacht Crew Case Study: Customer Service Can Be Life Saving”.

If you are not working in the insurance industry, there is a good chance that insurance lingo can provide you with some head scratchers. Read more to get a better grasp.

673212844Yacht Crew, and other professions that require world travel, need special medical insurance plans. Plans should include international coverage, a support system that can guide them when in need in a foreign country, and repatriation. While many different areas of the world offer these types of insurance policies, yacht crew should be considering certain aspects of the plan other than just international coverage. For example, if a crew is working on a vessel that is spending a great amount of time in the United States or the surrounding waters, they may want to consider having a U.S. friendly insurance plan. Here’s why:

1. May not be recognized

If you happen to get sick while in the U.S. and need medical attention, you will want the process to go as smoothly as possible. However, with non-friendly U.S. plans, the doctors or hospitals may not recognize the plan. This may result in an initial denial of insurance, leaving you responsible to pay for your treatment, which can be particularly expensive in an emergency situation.

2. May need preapproval

Many times, with an international medical insurance policy, you will have to get preapproval of your treatments before you receive them. Which is a bit different compared to how things work in the U.S. Typically, doctors and hospitals are well versed in the different types of insurance, and with a U.S. friendly plan, you will be able to go and get the treatment you need without having to stress about the insurance part. After all, if you are needing to use your insurance, it is because you are in pain or are ill, and the last thing you will want to do is have to stress about getting your insurance approved before you can get treatment.

3. There may be a delay

Typically, if you have insurance that is not U.S. friendly, it is because the country where the insurance is offered is not in the Americas. Whether it is Europe, Asia, etc. the insurance company will be in a different time zone, making communication difficult, potentially resulting in delays. In the event of an emergency situation, the last thing you will want to hear is “we cannot get ahold of your insurance carrier”, or “we left a message and are waiting for hear back from them”. Also, it should be noted that in other parts of the world, insurance is not handled with the same urgency as it is in the U.S.

4. Different benefit structure

While the above issues can cause a headache for you when trying to use your international medical insurance plan in the U.S, this particular issue can cause a headache for the doctor’s office or hospitals. Depending on where you can your insurance, there will be a different benefit structure than what medical personnel in the U.S. are used to seeing. Since they will be unfamiliar with the benefit structure, it will only add to the stress and issues you are dealing with when trying to use your insurance.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Case Study: Customer Service Can Be Life Saving”.

Yacht Crew, and other professions that require world travel, need special medical insurance plans. Here's why:

475871202Do you have Life Insurance? It’s a question that many don’t want to think about for obvious reasons. Some believe that Life Insurance isn’t a priority because they procrastinate, or are waiting until a life changing event that will motivate them purchase a policy. It’s a fact, the benefits that a good life insurance policy can supply your family and loved ones are too good to pass up. Many people have life insurance and believe that they have coverage until the day they die. However, in some circumstances that is not the case, and it’s not because your term life policy expired. So maybe a better question would be, do you have International Life Insurance?

Do I have international coverage?

Many people do not know that their life insurance policy will not continue to offer them coverage if they happen to move to a new country. Typically, if you are in a foreign country for 3 or more months, your life insurance will not offer the coverage that you have been paying for. This is part of the “small print” that many may not know about. So if you are a world traveler, or hope to move to a foreign country one day, or are an expat who looks to settle down back home when you are done with your career abroad, it may be smart to look at your policy and see if you are covered.

Does international coverage exist?

There are several life insurance options that offer international coverage, and will pay the death benefit for expats or others who unthinkably pass while not in their home country. I know you’re wondering if having international coverage makes your premiums more expensive, but in many cases the premiums are in the same ball park as life insurance policies that don’t have international coverage, sometimes even less! Usually the only thing that will affect your premium is the policy amount, your age, and any health problems you may have.

Do I need international coverage?

As I stated earlier, having Life Insurance should be a priority for everyone. If being away from your home country or the country where your life insurance policy was purchased for an extended period of time applies to you, then international life insurance should be a priority. Deciding if you need the extra coverage is the easy part, now comes what type of policy is right for you!

There are many things to take into consideration when making the decision of which type of policy is best for you, your family, or loved ones. For help trying to figure out how you can save money on your life insurance policy, read our previous blog, “Life Insurance Money Saving Tips”. Are you interested in purchasing Life Insurance or International Life Insurance? Would you like some more information regarding Life Insurance options that are available to you? Would you like to ask some questions to a Life Insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting Life Insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

Do you have Life Insurance? Maybe a better question would be, do you have International Life Insurance?

538602500Summer is right around the corner! Which means many of you have been hitting the gym and eating healthy to get the perfect summer body. But being healthy and having a summer body are not one in the same. As an insurance broker, we want to promote wellness and wellbeing amongst people. So, what better time to start following some healthy living tips than the summer time. The weather is nice and warm, people are outside and active, so let’s take it to the next step and create some positive lifestyle changes that will only benefit us. After all, the experts say if you do something every day for 30 days it will become a habit.

Eat Right!

The summer time is the best time for fresh produce. While fruits and vegetables all have a season, the summer offers an abundance of choices for you to eat fresh food. Visit your local farmer’s market, or even go pick your own fruit and vegetables if you can. Try to limit foods and drinks high in calories, sugar, salt, fat, and alcohol.

Be Active!

Eating right and staying active are two of the most important things one can do to maintain a healthy lifestyle. Try to be active for at least one hour a day. Include activities that raise your breathing and heart rates and that strengthen your muscles and bones. Go outside and go for walks after dinner, take the kids to the park, join a sports league, go to the beach or pool and go for a swim; these are just a few of the many activities you can do to help stay active during the summer. 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

Hydrate!

Did you know that you should drink about a gallon of water per day? Drinking enough water will benefit you in more ways than one. While the temperatures are hotter, staying hydrated is important. Drinking your fluids will also help your skin, increase brain activity, and also help you lose weight!

Get Away!

Who doesn’t love to go on a summer vacation? Remember to balance work, home, and play. Everyone needs a break from time to time, and with the kids being out of school, the summer is a perfect time for a family getaway. However, it is important to also disconnect. Just because you go on a trip doesn’t mean it will do you any good if you aren’t properly disconnected.

Protect Yourself!

When out enjoying the summer days, remember to wear sunscreen and insect repellent. Try to stay in the shade if you can. While catching some rays is good for you, only in moderation. Also, protect yourself and your family from injuries with seat belts, helmets, and protective sports equipment when partaking in outdoor activities.

Sleep!

Adults should be getting 7-9 hours of sleep every night, and children even more. I know we have all heard the saying “I’ll sleep when I’m dead” or “I’ll catch up on sleep on the weekend”, but those couldn’t be further from the truth. You can’t catch up on sleep, and without proper rest, your body will respond accordingly.

Schedule and Appointment!

Stay on top of your health and 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. Don’t forget about visiting the dentist too! Keeping your teeth in good shape is another good way to keep certain health problems from arising.

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. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. Contact us at mhginsurance.com or call us at +1 954 828 1819.

What better time to start following some healthy living tips than the summer time.

483047213Good work is as hard to find as good workers are to keep. Anyone that works in a Human Resources role can attest to the difficulty of attracting workers, keeping workers happy, and making sure employees are motivated. This can be even more true when talking about yacht crew members. Crew members are constantly moving from one ship to another for many different reasons. The following tips can help you formulate a plan to help keep your crew on your vessel. They can also help to motivate crew in general, as workers may work harder knowing that they are being ‘taken care of’ or feeling grateful for the position they are in on board.

Salary

The most obvious thing that can motivate someone to work for you, or to work harder, is money. Are your wages competitive in within the industry? Depending on what someone’s title is, they can make anywhere from $30,000 to almost $500,000. By offering competitive salaries, crew members may be more inclined to come work for you and may think twice before deciding to leave.

People They Work With

One aspect of employment that can be considered priceless is the people that work with you. While this applies to many jobs, it carries even more weight with yacht crew members. One reason is because crew are essentially family. Would you want to live and work closely with someone you didn’t like?

Itinerary

Many crew members decide what yacht they may want to work on by looking at the itinerary. One of the benefits of being part of a crew is getting paid to sail around the world, and visit places you may have otherwise never even considered going. Also, some crew members may only want to stick to certain areas they are familiar with, or places they consider safe.

Vessel Size

The size of the yacht can be a deciding factor in where someone decides to work. After all, the larger the yacht, the better it looks on the resume. Not to mention there are more positions to fill, giving you the opportunity to work with more people. Let’s not forget also, that a larger yacht can also mean a higher salary. Some crew prefer the environment of a smaller yacht, where there are often less personalities to work with and sometimes a less strenuous work environment.

Insurance Benefits

The last tip, and probably most important one, is offering a complete insurance benefit package for you crew. While money is important to sustain your life, without your health you won’t have a life to live. Sailing around to world, going from country to country, leaves those who work on board at risk if something ever happened to them. Where would they go? Who would they talk to if they didn’t speak the language? Not having to worry about paying what could be thousands of dollars for an emergency medical situation can be the ultimate benefit for a yacht crew member. Having other coverage such as benefits for lost wages, routine care, dental and vision are also key components to providing a complete package.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

The following tips can help you formulate a plan to help motivate your yacht crew and keep them on your vessel.

175545573Many people in the insurance industry work hard to avoid the bad reputation that insurance typically carries. However, people often jump to negative conclusions about anything involving insurance. Time and time again, we come across people who have the wrong idea of what an insurance broker is and why they are actually advantageous to the consumer. We have heard they are a waste of time, waste of money, and only care about making their commission. Being a dedicated group of insurance brokers, we can tell you that those descriptions are often false! Everyone is entitled to their own opinion, but when we hear information that is incorrect, it encourages us to step in. Do you know what an insurance broker does?

If you know the answer to, then you are already aware of all the benefits of using an insurance broker. If not, learn why you should be using one. Take the time to find a quality, reputable broker to work with you in fulfilling your insurance needs. Not only will it be time well spent in the beginning, but it will also serve you well for the entire time that you have insurance needs, whether you are working on a yacht or wherever your travels may take you.

Brokers Can Offer More of a Selection

One benefit of an insurance broker is the selection of policies and plans. Typically, brokers can help you select insurance from a variety of different companies. Different insurance companies offer different plans, so having access to plans from multiple companies can afford you the opportunity to find the coverage that fits you best.

Also, depending on the insurance brokerage they may sell different types of insurance, allowing you to have a one stop solution for all your insurance needs.

Brokers Do Much More Than Sell Insurance

While brokers may act as the middle man between you and the insurance company, they can be so much more than that. An insurance broker will conduct research for you, file and assist you with the claims process, and work to get you the best coverage option for your situation. Often times a broker has direct connections with decision makers at the insurance companies so you may not have to sit on a 1-800 line for a long time, only to learn someone doesn’t have the authority to help you. Brokers also know which carriers provide consistent service, allowing you to avoid companies that may not deliver the level of care that you deserve at time of claim.

We Work for You

As brokers, we do not work for any insurance company, we work for you! Our goals are to please you, and make sure all you questions and concerns are handled. If you think about it, with all the benefits of using an insurance broker, it is certainly better than just going out and buying a policy from an insurance agent. Will an agent fight for you and your best interests?

Having proper insurance is important in every aspect of life. Whether you are at sea needing international coverage, looking for proper life insurance coverage, going on a vacation, etc. MHG is your specialized broker. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about marine crew insurance, travel insurance, U.S. life and health, expatriate insurance, or property and casualty, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on debunking insurance broker myths, read our previous blog, “Debunking 5 Myths About Insurance Brokers”.

Everyone is entitled to their own opinion, but when we hear information that is incorrect, it encourages us to step in. Do you know what an insurance broker does?

542325850The Fort Lauderdale International Boat Show is the biggest boat show in the world, and attended by everyone who is anyone in the yachting industry. With the Show being just a couple weeks away, people have already begun to arrive in Fort Lauderdale and starting to set up for the event. It’s almost here which means it’s time to start planning what you are going to do for the show.

It’s no secret that one of the highlights of any boat show is getting to see some amazing yachts up close and personal. This is even more so at FLIBS which takes place in the yachting capital of the world! While you may not be able to go on-board these vessels, getting to see them in person can give you a new appreciation of the size of these boats, and offer a new respect for the entire crew that it takes to keep everything running in check. Below is a list of some of the top yachts, and our personal favorites, that are expected to be at the 57th Fort Lauderdale International Boat Show which takes place November 3-7, 2016. It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show. Therefore, this list may not be 100% accurate at the time of the show.

“Kisses”

This 175-foot motor yacht was built in 2000 by Feadship. This vessel also went through a refit in 2014, and can accommodate up to 11 guests in 5 cabins. See her at The Sails Marine 206 - Sails #4 where she will be exhibited by Burgess, whose headquarters are in New York.

“Huntress”

“Huntress” was built by Feadship and her exhibitor is Merle Wood & Assoc. who are headquartered in Fort Lauderdale. The location of this 180-foot mega yacht will be HOF FD 32-35, 34A, 32A, 33A.

“Just J’s”

This Hakvoort mega yacht was custom built in 2016, and is the largest Hakvoort yacht built to date. This vessel measures in a 200 feet, has 5 decks, and can accommodate up to 16 people! You can find her at HOF FD 22A, 27.

“Party Girl”

“Party Girl” was built by Icon in 2010 and measures out to be 205 feet long. This super yacht can accommodate 12 guest and 16 crew members. She will be exhibited by Norhtrop & Johnson whose headquarters are in Fort Lauderdale. See her at HOF FD 34-47.

“Apogee”

Last but not least on our must-see list is “Apogee”. The 205 foot “Apogee” was built in 2003 by Codecasa. See her at HOF FD 32-35, 34A, 32A, 33A where she will be exhibited by Merle Wood & Assoc.

Make sure to be on the look-out for the MHG Team as they will be at the Fort Lauderdale International Boat Show helping anyone who has questions regarding their crew insurance!

If you are in Fort Lauderdale for the Show and are looking for something to do, read out previous blog, “10 Things to do in Fort Lauderdale While in Town for FLIBS”. Our Insurance Specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Whether you are in need of travel insurance, yacht crew insurance, or life 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. Safe travels!

The Fort Lauderdale International Boat Show is almost here, which means you should be on the lookout for these yachts!

MYSThe Monaco Yacht Show is here and is viewed as one of the year’s most highly anticipated, exclusive trade show events in Yachting. Known for attracting some of the most powerful and wealthy people in the world, along with the top vessels from all over the globe, this year’s show promises to be a showstopper. From the 28th of September to the 1st of October, the Yachting industry will gather at Port Hercules.

It’s no secret that one of the highlights of any boat show is to see some of the mega-yachts up close and personal. While you may not be able to go onboard, you can still appreciate how amazing some of these vessels are in both size and amenities. So if you are attending the show here are the top yachts to see! It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show.

“OKTO”

“Okto” was built by ISA Yachts in 2014 and measures in at over 66m. This mega-yacht can accommodate up to 11 guests and 17 crew members. See her at T CENTRAL T41 where she will be displayed by Moran Yacht & Ship.

“MARTHA ANN”

This vessel measures in just over 70m, and was built by Lurssen in 2008. This yacht offers the amenities of a five-star hotel, including a gm, endless pool, and a movie theater. She offers 7 luxurious staterooms that can accommodate up to 18 guests and a crew of 15 people. See her at QUIA RAINIER IER R03 where she will be displayed by IYC.

“GALACTICA SUPERNOVA”

This vessel was built by Heesen Yachts in 2016 and is the largest Heesen to date measuring at just over 70m. She has an impressive top speed of 30 kt and combines that with low range and low fuel consumption. See her at QUAI RAINIER IER.

“ENIGMA”

“Enigma” measures in at just under 75m. Built by Blohm & Voss in, this mega-yacht can accommodate 15 guest and 21 crew members. See her at QUIA RAINIER III D03 being displayed by Edmiston & Company.

“BOADICEA”

This beautiful 76.6m mega-yacht was built by Amels in 1999, and received touch ups in 2016. The largest yacht on this list, she offers unique features such as a guest elevator, salon, cinema, and new interior. See her at QUAI RAINIER IER R04 being displayed by Fraser Yachts.

“CORAL OCEAN”

“Coral Ocean” was formerly “Coral Island” and is one of the first masterpieces of the late interior designer, Jon Bannenberg. This vessel was built in 1994 by Lurssen and has only been used privately. There are 21 cabins onboard to accommodate 12 guests and 27 crew members. See her at T CENTRAL T05 being displayed by Lurseen.

Make sure to be on the look-out for the MHG Team as they will be at the Monaco Yacht Show, helping anyone who has questions regarding their crew insurance!

If you are in Monaco for the Show and are looking for something to do, read out previous blog, “5 Things You Must Do While in Monaco”. Our Insurance Specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Whether you are in need of travel insurance, yacht crew insurance, or life 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. Safe travels!

The Monaco Yacht Show is almost here! Be on the lookout for some of these megayachts.

492989930Monaco is a sovereign city-state located on the French Riviera in  Western Europe. It is the second smallest and the most densely populated country in the world! It is also considered to be a very luxurious destination, fit for celebrities and royalty. Which makes it a perfect location for a yacht show!

The Monaco Yacht Show is almost here, just a few weeks away. Will you be going to this year’s show? Whether you are flying in for the show, or you are already there preparing your vessel and have some time to kill over the coming weeks, Monaco is a place most people only dream about visiting, so why not make the most of your trip! Here are some things that you must see/do while you are in Monaco.

1. Larvotto Beach

beachLarvotto Beach is a public beach located near Monte Carlo. Like many other beaches along the French Riviera, Larvotto Beach has pebbles rather than sand, so be sure to wear sturdy shoes or sandals. The water is clear and clam, the beach is clean and well kept, and the hotels and mountains along the shoreline will make you feel like you are in paradise, just be sure to arrive early as spaces are sure to fill up. While this beach is great for visitors of all ages, it should be mentioned that some beachgoers lay out topless.

2. Princess Grace Rose Garden
This Rose Garden was created in 1984 as a memorial to Grace Kelly, who was the wife of Prince Rainier III. The garden includes a statue of Princess Grace and features 4,000 roses. There are also palm trees, olive trees, and other plants. Visitors say the park is a great place to walk and enjoy a peaceful oasis. While at the gardens, you should also tale the time to explore Fontveille Park.

3. Thermes Marins Monte Carlo
Thermes Marins Monte Carlo translates to “The Sea Baths of Monte Carlo”, and is one of Monaco’s most beloved spas. The spa includes gyms, salons, treatment rooms, and restaurants. Treatments that are offered include underwater massages, seaweed body wraps, and anti-aging sessions. Take a dip in the indoor heated pool, or in the Jacuzzi that overlooks the harbor.

4. Palais du Prince
prince palaceThe Palais du Prince (or Prince’s Palace) is home to, well you guessed it, the prince! This lavish royal residence has been home to many royal families over the years such as Prince Rainier III and his wife, Princess Grace. Today, it is the home of Rainier’s son, Prince Albert II. Visitors have said that the palace offers incredible views, and recommend a tour of the state rooms to see what royal living is really like!

5. Museums
476168634There are two museums to visit while you are in Monaco. The first is the Oceanographic Museum of Monaco. This museum and aquarium was founded by Prince Albert I, who was a sea captain, in 1910. The museum includes many of the findings from his explorations. While the aquarium is often considered one of the best in all of Europe with more than 90 tanks. The second museum you should visit is the Museum of Antique Automobiles. This museum was gifted by Prince Rainier III with his personal collection of cars. There are about 100 vehicles including racing cars, carriages, even the Rolls Royce that Grace Kelly rode in on her wedding!

Bonus: Monte Carlo Casino
511850234A visit to Monaco really isn’t complete without a trip to its capital city’s casino, Monte Carlo Casino. This casino was the inspiration for the casino in Ian Fleming’s first James Bond book, “Casino Royale”. It was also in the Bond films, “Never Say Never Again” and “Goldeneye”. Many consider it a must visit because of its grand décor and tons of different gaming options. The Casino officially opens for gaming at 2 p.m. and you must be 18 or older to enter with proper attire.

Our Insurance Specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Whether you are in need of travel insurance, yacht crew insurance, or life 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. Safe travels!

Monaco is a place most people only dream about visiting, so make the most of it while you are there for the show!