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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.

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.

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...

yacht chartererMany people consider chartering a yacht one of the most luxurious ways to go on a vacation, or see different parts of the world. Sailing the open seas while having a crew cater to your needs can be the ultimate way to relax. Until disaster strikes! Accidents can happen anywhere, and that is one reason why we purchase insurance. Who wants to be liable for a yacht that they don’t even own?


You Are Not Covered! 

Some may assume that they have all the protection they need from the owner’s insurance policy; however that is not the case. That insurance policy only covers the owner, and in some ways the crew working onboard. Under a standard AYCA or MYCA yacht charter, the yacht charterer is not covered under the owner’s insurance policy, and therefore cannot benefit from the owner’s insurance. Meaning you must get your own coverage! 

No Protection from Third Parties

It’s no secret that yacht charterers tend to be people of a certain status who have a large portfolio of personal and/or business assets, which means that third parties know they have deep pockets. Since the charterer is not protected against third parties, they are unable to stop the owner’s insurers from exercising their right of recourse.  Also, many decide to charter the yacht personally rather than through a limited company, which makes them even more of a target for third parties and insurance companies to collect reimbursements for any claims made.

You Are Responsible for Your Guests

According to clause 27, the charterer is required to indemnify the owner of the vessel for any losses or claims he/she causes. Something you may not know is that the charterer also accepts responsibility for any injury, loss or damage to or caused by charter guests. 

Example 

You charter a yacht valued $10,000,000 and it sinks because of damages you or one of your guests caused. In a matter of moments you went from having the time of your life to possibly being on the hook for millions of dollars in damages to the vessel, and that doesn’t include any injuries crew members may have sustained when reacting in the emergency situation. Don’t regret not getting covered.

How Much Coverage Do I Need?

We recommend that as an absolute minimum, the charterer should buy a policy that includes third party liability and liability for damage to hull with a combined limit of at least twice the value of the yacht chartered or $20,000,000, whichever is higher. The cost of the insurance is usually no more than 2 or 3% of the cost of the charter. Considering the amount of protection and money that charter liability insurance can save you, the cost of the policy makes this a no brainer! 

Liability is often unavoidable in life, which is why you need to have protection in all stages of life. Our ‘concierge service’ can assist you in finding the proper coverage for all aspects of your life. Our insurance specialists have the experience and knowledge to get you the best life insurance, health insurance, marine crew insurance, marine general liability insurancebusiness insurance, expatriate insurance, or travel insurance for your budget. Contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on marine general liability, read our previous blog, “What is the Difference between General Liability and Marine General Liability?

Planning to Charter a Yacht? Why You Need Yacht Charterers Liability Insurance

travel insuranceReady, SET, go! Did you know that your health insurance may not cover you while you’re traveling abroad? Although we hate to think about becoming sick or injured, sometimes it is unavoidable, no matter how much you precaution you take. Whether it’s a car accident, food poisoning, or a stroke, the lack of international health insurance coverage could expose you to serious financial liability. 

 

The Basics 

Take the worry out of international travel with the SET plan! SET is an annual travel insurance plan available exclusively to U.S. Superyacht Association (USSA) members which offers affordable international health insurance coverage to employer groups. This plan is perfect for any companies whose employees take frequent trips outside their home country and are looking for an easy way to provide health insurance protection while traveling. One of the great benefits of the plan is that it saves you time whenever you are required to travel by not having to purchase travel insurance before each trip. All you have to do is estimate the number of days that you will be abroad for the year, and make one purchase! Another great benefits is that it gives you a peace of mind knowing that your employees will be fully covered when they are traveling internationally. This is important because many do not realize that their domestic health insurance plan does not follow them when they leave the country, which means many people are traveling uncovered! 

How it Works

One of the great things about this plan is how simple it is to get signed up. Here’s how the plan works. First, fill out the Request for Proposal with some basic information. Then, select your coverage level. There are two coverage options to choose from, Essential and Elite. 

Essential benefits:

  • Service and support provided by MHG Insurance Brokers
  • Purchase trips days in advance and subtract as you go
  • $500,000 plan limit
  • Global medical protection
  • Emergency medical evacuation
  • Hospital stays
  • $0 deductible
  • No coinsurance outside of the US
  • Acute onset of a preexisting condition for US citizens
  • Simple enrollment and administration
Elite benefits: ALL of the benefits of the Essential plan plus:

  • Upgrade to $1,000,000 plan limit
  • $100,000 Accidental death and dismemberment
  • Adventure sports coverage
Next, enter some basic details and then you purchase a block of days. Unused days will be rolled over to the following year. Coverage can be as little as $1.50 a day! Last, pack your bags, bring your passport, and go on your trip worry free! I know you must be thinking that there is more paperwork, or that you must wait a certain amount of time, but once you are finished you are good to go! 

This is All Made Possible by…

A lot of people have worked really hard to bring this great travel insurance solution to you. The U.S. Superyacht Association partnered with Point Comfort Underwriters and MHG Insurance Brokers to develop this customized product that is only available exclusively for USSA members. USSA values its members, and wanted to make sure that people and organizations are offered the benefits that they deserve. Don’t fly naked, make sure you are covered by the SET plan! Go to http://www.ussuperyacht.com/ for a quote now! Safe travels!

Are You Flying Naked? Cover Up with the USSA SET Plan

Long flights tend to get a bad rep. Use these 10 tips to help you survive your next international flight, but don't leave without getting travel insurance! Contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to find the best plan for you, your family, or group.

 

  international flight 

 

  MHG Travel Infographic

Tips to Survive Your Next International Flight

passportAre you tired of having to turn down vacation invitations from friends and family because you don’t have a passport? It’s time to get a valid passport so that you can live your life to the fullest. The world is a big place, and not being able to leave your home country because you don’t have proper documentation should no longer be keeping you from seeing and visiting every location you have dreamed of. Having a passport is becoming a necessity more and more. For one, you used to be able to go on a cruise without a passport as long as you had valid identification, but that is no longer enough in today’s world. So follow these steps to help get you on your way to getting a valid United States passport, and get you one step closer to seeing the world!


1. Gather the proper documentation 

In order to apply for a U.S. passport, you will need to have the proper documentation: proof of citizenship and proof of identity. There are many forms you can use to prove both of these. To prove citizenship, you can use expired passports, a birth certificate for those born in the United States, or a Certificate of Citizenship for those born outside the U.S. To prove your identity, you can use expired passports, driver’s license, military ID, or other identification items that include your photo and signature.

2. Take a passport photo

A passport photo is different than a normal photograph. To make things easy, many drug stores or places that process photos can take them for you for a small fee. And I know what you are thinking, no “selfies” allowed.

3. Fill out appropriate forms

There are forms that you will have to fill out, and for most people that form is a DS-11 form. You can find this form online, print it out, and fill it in. Or you can fill it out in person when you go to the local passport authority.

4. Submit documentation and forms in person

For those that are applying for their first passport, you will have to apply in-person. You can apply at your local passport authority including most city halls, public libraries, and post offices. For those that are renewing their passport, in most cases it can be done through mail.

5. Pay the fee

A first time passport for a U.S. adult is $135. It is less money if you are renewing a passport, $110. A first time passport for a minor (under age 16) is $115. 

Tips

It is important to note that you should apply for a passport well in advance of your travel arrangements. The process can take a couple of months, so plan accordingly. Also, it is a good idea to keep track of your application status online by visiting the official website. The reason being is that you only have 90 days from the application date in order to report that your passport has not arrived. Otherwise you will need to go through the entire application process again. 

Now that you have your passport, it is time to book your next trip! For more help when traveling overseas, read our previous blog, “Tips for Traveling Abroad.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you and/or your family for the best value.  

How to Apply for a U.S. Passport?

10 Safety Tips for Travelers

women travelersDon’t be afraid to travel alone. Traveling can be one of life’s greatest, must fulfilling experiences. However, there are some precautions to consider, and preparation you can do to ensure a safe and successful trip. 

 

1. Research

Researching the area that you will be traveling to. It can assist you in learning the local customs and other ways that can help you blend in. It is also important to research the area in order to get a grasp of how to find your way around, such as learning major roads, landmarks, etc.

2. Don’t Over-Drink

Drinking too much alcohol can slow your reaction time and dull your senses. This can cause you to have a lapse in judgment that can put you in a really compromising situation. 

3. Dress like the Locals 

Depending where you are traveling to, there may be customary wardrobes for women. It’s important to blend in, and not draw too much attention to yourself.

4. Don’t Wear Expensive Jewelry

Wearing a lot of jewelry can make you a target, especially in unfamiliar places. 

5. Register with the U.S. Department of State 

Registering with the U.S. Department of State is one of the easiest and quickest tasks you can complete to help keep you safe when traveling. It only takes minutes to fill out a form, and the department will contact you if there is any news relating to your destination.

6. Make Copies of All Important Documents 

Make copies of all important documents such as passports, tickets, reservations, boarding passes, etc. Keep them in a safe place in case the originals are lost. Also, you can take pictures of them and keep digital copies in your email, or in an online storage like Google Drive. This will allow you access to them as long as you have computer or mobile access. 

7. Consider a Money Belt

Theft can happen anywhere, but the last place you want to be stolen from is when you are away from home. Look into getting a money belt to carry cash in. If someone steals your purse, you won’t be left completely stranded. It’s also important to mention that if your purse is taken from you, let it go and do not put up a fight. 

8. Keep in Touch

Give someone back home a copy of your itinerary. Keep in touch with them by checking in regularly and letting them know you are okay. Also, keep them updated with any changes you are making to your itinerary. 

9. Spend on Safety 

Traveling on a budget is always a good idea, however there should be no budget when it comes to your safety. If you do not feel comfortable walking home at night, call a cab. If you are flying into a rough area, plan your transportation ahead of time from a trustworthy source. 

10. Get Travel Insurance! 

No matter how many precautions you take, accidents happen. There is no better preparation than getting the proper medical coverage no matter where you are in the world.

For more help when traveling overseas, read our previous blog, “Tips for Traveling Abroad.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you and/or your family for the best value.

10 Safety Tips for Travelers

travel kidsJust picture it. Looking out the window of a plane, on your way to see some of the most breathtaking sites from 20,000 feet up. You then glance at your significant other to see if they are as excited as you to finally get away from the rat race, and begin planning what you guys will do next. Then, one of you finally remember that this isn’t exactly a honeymoon, the kids are tagging along! Family vacations create some of our most cherished memories. Ones that we will one day try to create with our own children. From driving across the border, to flying across an ocean, traveling the world is one of life’s most exhilarating activities. Maybe even more so when traveling with children. Follow these do’s and don’ts when traveling with kids in order to make the trip as smooth and stress-free as possible.  

 

Do’s

  • Do take your time. Don’t stress out about trying to see and visit everything. Children can get tired quickly, and may not be cut out to be on their feet all day.
  • Do keep track of your kids. If traveling with more than one child, regularly count them. Traveling can be very tiring, and easy for a child to run off without you paying attention. Especially if you are rushing to make a connecting flight. It may also be a good idea to “brand” them by writing your phone number on their arm.
  • Do ask if the hotel is full. If not, try to reserve a room that doesn’t have any other rooms occupied on either side. This can allow your children to be themselves, and you won’t have to continue telling them to be quiet.
  • Do plan for extended downtime. There could be lengthy layovers or delayed flights. Kids can get restless when sitting for an extended period of time. Bring snacks and be prepared to keep them busy with games, books, or other activities.
  • Do ask for help. Many hotels and airlines are quite accommodating when it comes to making children comfortable. This can help make your trip more enjoyable, cutting your stress level.
  • Do check your travel documents. Make sure your passport is still valid, you have the necessary visas, and that all of your booked dates for flights and hotels are aligned.

Don’ts

  • Don’t wait until the last minute to pack. Waiting until the last minute can raise the chances of you forgetting something, or even missing your flight. Also, be prepared for the weather. Pack jackets if it is expected to be cold, raincoats and umbrellas for stormy weather, etc.
  • Don’t forget to pack medicine. Getting sick with no relief in sight is a sure way to ruin a trip. Also, check with your pediatrician regarding inoculation and vaccination requirements.
  • Don’t let your child roam the hallway of the hotel unattended. Being away from home can multiply the chances your child gets lost.
  • Don’t pay for your kids to stay at a hotel. Try to find a hotel that doesn’t charge for kids that are under the age of 12.
  • Don’t lose it. If your child has a security blanket, or a favorite stuffed animal, it is a good idea to leave it at home. Don’t risk it getting lost, unless it can be easily replaced.
  • Don’t forget travel insurance! Having the proper coverage while on your travels can be the difference between having a great trip, and a major headache. Not only will you not have to worry about medical coverage if something happens to you or your children, but you will have a 24/7 assistance hotline to call in case you get lost, or need help with any other travel arrangements.
For more help when traveling overseas, read our previous blog, “Tips for Traveling Abroad.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you, with the best value.

 

Top Do’s and Don’ts for Traveling with Kids

United StatesLand of the free, home of the vacation? Visiting the United States is a great way to spend a vacation. The country has so much to offer, from amusement parks like Disney World, to big cities like New York City and Los Angeles, breathtaking natural sites such as the Grand Canyon, even tropical beaches in South Florida! There is something to do, no matter what type of vacation you are looking to go on. That may be the reason why the U.S. is the second most visited country in the world behind only France. With so many people traveling to the U.S, people are bound to have accidents, get sick, etc. So if a trip to the United States is in your future, here are 5 reasons to make sure you have sufficient health insurance coverage during your travels. 

 

The High Cost of Medical Care

There are places around the world that have government sponsored, affordable or free healthcare. While the U.S. has recently attained a government sponsored healthcare system, many would argue that it is anything but affordable for those who don’t have coverage. So whatever health care plan you have in your home country, likely will not work in the U.S. But better to be safe than sorry, and up with a medical bill that’s a few thousand dollars. For example, accidents happen, and you unfortunately fell and broke your leg while walking down the stairs of your hotel. The total cost of treatment could be as high as $2,500 without health insurance coverage. And if surgery is required, you’re looking at a total cost that could be over $15,000. 

Accidental Death and Dismemberment 

Accidental Death and Dismemberment is essentially a fancy way of saying life insurance. You go through the similar process in selecting a beneficiary to receive a benefit in the event of your death or dismembering injury. No matter where you are traveling, it is a good idea to protect yourself and your loved ones in the event something happens to you.

Medical Evacuation/Repatriation 

Even though the United States has some of the best medical facilities in the world, it is possible that you may need to be medically evacuated to your home country in the event of a serious injury. Being medically evacuated from the U.S. can cost hundreds of thousands of dollars. I think that is a good enough reason to make sure you’re covered. Also, in the event you pass away on your trip, repatriation should cover or assist in the returning of your remains to your home country. Otherwise, your family could be left to foot the bill of transporting your remains back home, which could be quite expensive. 

24/7 Assistance 

While visiting a foreign country can be one of life’s greatest adventures, it can also be a scary and stressful one. Especially when visiting a country as large as the United States of America. That being said, many travel insurance companies offer a 24/7 hotline that you can call in the event something has happened to you, you’re lost, or help with any travel details. This can be even more helpful if the language spoken in the country you are visiting isn’t the same as your native tongue. 

There are fewer experiences that can be as fulfilling as traveling and experiencing different parts of the world. We hope that your trip is perfect, and that you never have to actually use your travel insurance. However, if you do, read our previous blog, “How to File a Travel Insurance Claim,” for help when having to file a claim. If you are interested in purchasing travel insurance, please contact our 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!

Going on Holiday to the U.S? The Reasons You Need Travel Insurance