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

travel insurance claimPicture it. Sun, beach, a fruity drink in hand and a cool breeze blowing your hair. You and your partner are having the best summer vacation ever, just relaxing on an exotic island in the Caribbean, a million miles away from the daily grind and stresses of life. And BOOM! Just like that you fall and twist your ankle and have to seek medical attention. Good thing you bought travel insurance! But now what? 

 

Be Prepared 

The best way to handle a claim, is to know your insurance policy inside and out. Knowing all of the intricacies of your policy will let you know how much time you have to contact your carrier, phone numbers to call, the coverage you have, etc. Read your policy before you go on your trip, preferably at the point of purchase. 

Contact the Insurance Company ASAP 

Don’t make any assumptions when it comes to your medical coverage or the claims process. If you have an accident or become ill while you are away, contact the insurance company as soon as possible, preferably immediately. The insurance company can offer valuable travel and medical assistance services that are available 24 hours a day, 365 days a year. They can also help you find Western-style medical facilities, medical and dental practices and pharmacies in addition to an array of other helpful services which can be a real stress reliever especially if you are in a country that you are not familiar with and where the primary language is different to your own. 

Save All Documents 

When it comes time to filling out your claim form, you will be asked to provide backup documentation to substantiate the claim. Don’t worry if the documents are in a foreign language. Most international insurance companies can process claims in many different languages. Be sure to save all doctor reports, itemized bills, invoices and receipts so that when it comes time to claim, you will have all of your ducks in a row. Having the proper documents can be the difference of your claim being paid, or being denied. Keep in mind that all claims regarding illness or injury must be supported by a doctor.

Denied Claim 

You filled out and submitted your claim form with supporting documentation in a timely fashion and you just got the bad news that your claim has been denied. Understandably you are probably upset but instead of venting about it, file an appeal. You will be asked to write a letter as to why you think your claim should be covered and potentially may have to provide additional documentation to support your claim. The appeal process can take up to 90 days so remain patient. A good insurance broker will be able to assist you with this. 

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!

How to File a Travel Insurance Claim

Top Summer Destinations

summer destinationsThe sun is out, the grills are blazing, and the drinks are flowing. There’s only one explanation, summer is almost here! Summer time is an exciting time for most, with the kids out of school, cook-outs every weekend, and let’s not forget, summer vacations. Whether you have kids, looking for a romantic getaway, or want to go on an adventure, here are some top destinations that everyone is sure to enjoy.  


 

Alaska

alaskaDoes Alaska conjure up thoughts of sub-freezing temperatures, grizzly bears and TV shows like Deadliest Catch? Located in the northwest of the North American continent, Alaska has beautiful weather in the summer with temperatures ranging anywhere from 50 to 80 degrees. This is perfect because it gives you a chance to see some of the most naturally beautiful landscapes and scenery you will see on this planet. With Denali National Park, Mt. McKinley, glaciers, wildlife, any nature buff will have a ball spending some time here. Even if you are looking for a quiet getaway, Alaska has more to offer than you may have thought. 

 

Bali, Indonesia

baliIf you’re looking for an exotic, tropical destination this summer, Bali should be at the top of your list! An Indonesian island located in the westernmost end of the Lesser Sunda Islands, Bali offers white sandy beaches, crystal clear waters, cultural sites and breathtaking waterfalls. Whether you are looking to relax on the beach or would rather cycle through the surrounding villages and rice paddy fields, there is something for everyone to experience.   

 

Machu Picchu, Peru

machu picchuThe ruins of Machu Picchu are located in the Cusco region of Peru. The mainstay of the Incan civilization, Machu Picchu delivers beautiful mountain scenery and incredible history. Up for a thrilling hike? Check out the Inca Trail to Machu Picchu which takes you through lush forest and jungle and offers amazing views.          

 

 

 

 

 

 

Nice, France

niceWho needs an excuse to go to Europe? I know I don’t! Nice is located on the southeast coast of France on the Mediterranean Sea and is a perfect fit for your summer travels. There is so much to do and see, you may have to book a second trip before you have even finished your first one! To get your bearings, take a walk along the Promenade des Anglais or La Prom for short or venture up to Colline du Chateau for spectacular views of the Baie des Anges. And don’t forget it is summer! Don’t miss a trip to the beach!       

 

 

 

 

South Africa

south africaLooking to see the Big 5 this summer vacation? South Africa has you covered! Based at the southern tip of Africa, bordering Namibia, Botswana and Zimbabwe, South Africa offers the opportunity to see lions, elephants, buffalos, rhinos and leopards in the iconic Kruger National Park. A trip to South Africa is a must for anyone with a safari on their bucket list! 

No matter where your travels take you this summer, don’t forget to protect yourself with a travel insurance plan. It’s important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad so contact our insurance specialists who have the knowledge and experience to offer advice and help you select the best insurance plan based on your requirements. Call us today at +1 954-828-1819 or +44 (0) 1624 678668 or visit mhginsurance.com. For some helpful tips while on your trip, check out our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” Safe travels!  


Top Summer Destinations

adviceAs insurance brokers we are here to help! Part of that assistance is our expert advice that we provide. So we thought it would be a great idea to ask our employees, “What is one piece of advice you would give your clients?” 

 

Mark Bononi- Director, Luxury Yacht Division 

Generally speaking, you get what you pay for. Typically, health insurance that has a lower cost will not have the same amount of coverage as one that costs more. If you are looking for health insurance that fits you best but you have a budget, seek advice from someone who knows what they’re talking about, and is experienced on the matter. 

Edward “Mole” Telfer- Director, Cruise Division 

Providing a solid employee benefits package can be the key to attracting and retaining the industry’s best employees. Use a “Rolling Benefits Strategy” to build up your benefits over time. 

Janine Jeffries- Director, Business Insurance Division

Give your agent a complete picture of the business and description of operations. Each business has unique attributes. The more your broker knows, or has a better understanding, the better we can do our job. Also, be sure to ask questions. You would be surprised how many needs are uncovered during a Q&A session with your broker. 

Stephen Beck- Manager, Life & Health Division

I would advise our clients to not WORRY about “What if?” but to ASK about the cost of insuring themselves against each “What if?” that concerns them. Just ask, “How can I protect myself in the event of a ________________?” We have the answer. 

Joanna Drysdale- Manager, Underwriting Services 

In our field, insurance isn’t just about protecting yourself against financial loss or covering your contractual obligations. It’s also about showing your employees that they’re valuable to you. Hanging on to a great bunch of crew season after season is worth so much more than the savings you make by skimping on crew benefits.

JW Haagensen- Account Executive, Inside Sales 

Disclose all current and past medical conditions when applying for insurance. Insurance enrollment forms are a contract and if you fail to reveal a portion of your medical history or provide incomplete information, the insurance company could cancel your policy. No matter how minor it may seem, it’s important to advise your entire medical history and keep a file.

Steve Jackson- Consultant, Yacht Division

Find an insurance broker who really knows their field. Having an understanding of the real life of a captain and his crew as well as the technical knowledge of the insurance industry is invaluable. 

Clayton Swart- Manager, Business Development 

Whether you’re purchasing group insurance for your employees, insurance for your business or an individual plan for you and your family, it’s important to understand your policy. I know that insurance documents can be boring, but it’s really important that you read through them to make sure you understand the benefits and limitations of the plan. If you find anything confusing, it’s better to address those points before you need to use the plan.

MHG is here to help and provide assistance with all of your insurance needs. 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. Please contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Let our insurance specialists find you, your family, or group, the best insurance available for your budget.

If You Could Give One Piece of Advice to Your Clients, What Would It Be?

honeymoonEveryone knows the only reason people get married is to go on an extravagant vacation, better known as a honeymoon. Just kidding! However, if you are about to tie the knot, I am sure you are looking forward to your trip whether you’re going to be relaxing on the beach in Fiji, exploring the natural beauty of Costa Rica,  cruising the Mediterranean, or visiting some other top newlywed destination. Honeymoons are the one time when you are supposed to splurge and go all out when planning a vacation. From top of the line food, massages, and activities, couples don’t hesitate to celebrate their future life together by enjoying some of the most lavish trips this world has to offer, creating an even greater need for insurance coverage. Although it should be a priority to obtain coverage for any trip that you take abroad, protecting your investment in your honeymoon is a must!  Here are 5 reasons you may need a trip cancellation plan in order to protect the investment made on your honeymoon! Oh, and remember to book the honeymoon suite!


Injury or Illness 

Your spouse told you it wasn’t a good idea to have oysters at the wedding and now you find yourself going toe to toe with food poisoning. If you get ill, or injured, I would highly doubt that you would be looking forward to your honeymoon. You may want to reschedule, or get your money back and book something else. 

Jury Duty 

Is it me, or does jury duty seem to always have the worst timing? Sometimes there is nothing you can do about it, and no way to get out of it. By purchasing a trip cancellation plan, your investment in your honeymoon will be protected should you be called for jury duty. 

Work Related 

Many stress the importance of a good work/life balance; however, sometimes work can get in the way of your leisure time, especially if you hold a key position in the company. If a last minute meeting comes up, or there is an emergency situation that requires you to come in to work as you are supposed to be leaving on your trip, a good trip cancellation plan could be your best friend. 

Labor Strike 

Labor strikes can happen at any time. Airlines could be having disputes, and sometimes their workers will look to take the power in their own hands. If this happens, and it affects your flight or trip, a good trip cancellation plan can reimburse you the amount of your trip, or the policy maximum, whichever is lower. 

Losing Your Job 

Losing your job is an unfortunate reality that many of us may have to face at one point or another in our lives.  Usually this is unexpected, and losing your job leading up to your wedding and honeymoon is a sure way to put a damper on things. Not to mention, you may not be able to afford your trip anymore. In this case, you may want to have that money that you already invested back, especially in a time as tough as this one. 

Congratulations on saying “I do!” MHG wishes you safe travels along your journey during your trip. For help planning your honeymoon, read our previous blog, “Tips Everyone Should Follow When Traveling Abroad.” If you are interested in purchasing a trip cancellation plan, or 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. Enjoy your honeymoon!

Planning Your Honeymoon? 5 Reasons to Consider a Trip Cancellation Plan