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846202328Have you ever heard the saying, “You can do things the easy way, or learn the hard way!” Many say the best way to learn is through experiencing something that will have an impact on you, whether you personally experienced it, or someone close to you did. The important part is that whatever the impact was, it will motivate you to make the right decision. It could have been something bad that made you never want to go through that again, or something good that made you want to have the same result. The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.

The Synopsis

A client recently became ill white working onboard a ship in South America. Since the client was from Europe, they were unsure of how to proceed because they were in a foreign land. Instead of going to seek medical treatment using their international medical insurance coverage plan, they decided to try and remedy the illness on their own.

It didn’t take long for the for the client to become increasing sick and in need of emergency medical attention. Thankfully, the Captain was proactive about getting his crew member the medical attention they needed, but that could have turned out to be a much worse situation.

The Scenario

The Captain reached out to his insurance broker and they were able to guide the Captain through the next steps and the proper course of action. In this case, extreme measures were needed to assure the crew member received the medical attention they needed. Tests needed to be conducted to figure what the treatment plan was going to be to take care of this crewmember. Once the tests were completed, it was decided that an emergency medical evacuation was needed to bring the crew member to the United States. Luckily, the insurance broker was experienced in handling these situations and knew what to do every time a challenge came up, and this contributed to the crew member’s full recovery.

The Service

At MHG, we pride ourselves on our service. Below is just a fraction of the steps our insurance broker took to ensuring the client received the care they needed.

· Set up a text line of communication to keep track of everything.

· Spoke with the local hospital and facilitated contact with the insurance carrier, which advised the carrier’s “emergency team” to step in.

· Remained in constant contact with the emergency team and the Captain throughout the weekend.

· Provided the emergency team with a list of healthcare facilities that were in the network of the insurance plan.

· The emergency team contacted our insurance broker when they needed vital information to proceed with the medical evacuation.

· Provided the necessary information and paperwork to receive a Humanitarian Visa.

The Lesson

Thankfully, everything turned out to be ok after receiving the necessary medical treatment and attention. Different companies and teams worked together seamlessly which was aided by an experienced and dedicated insurance broker. In situations like these, you can’t put a price on customer service, and in this case, it may have saved a life.

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 is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.

869641322Do you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active?

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

1. Get Up Early

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

2. Ride Your Bike or Walk to Work

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

3. Take Periodic Walks

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

4. Join a Gym Close to Work

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

5. Use Your Lunch Break

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

Here at MHG Insurance Brokers, we look forward to sharing tips and information with you that may help keep your stress levels down, and your quality of life up! Whether you are purchasing health insurance for the first time or already have a plan in place, or are simply looking for better coverage, we want to help you find an affordable health plan that works for you. Please feel free to contact us here by calling 954-828-1819, or visiting mhginsurance.com!

Do you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active? Read more!

818435778It’s getting to be that time of the year! That time where everyone looks back on the past year and makes changes for the upcoming one. Whether it is taxes, budgets, even weight loss, the motto is “out with the old, in with the new!” However, you may have not originally thought to review your life insurance policy. It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy and see if it still offers the coverage you need.

Do You Have New Dependents or Family Members?

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

Did You Have Any New Major Purchases or New Debts?

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

Did Something Change at Your Job?

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

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

Did You Move?

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

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 which policy is best for you, read our previous blog, “What Are My Life Insurance Options?” 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.

It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy and see if it still offers the coverage you need.

Hipster businessman with laptopHave you ever found yourself in a situation where your health insurance refuses to cover a certain medical bill that you thought would be covered? Bills such as visits to a provider who was once in your network, and without notice was removed from the network is a prime example. Sometimes mistakes are made, and just because your insurance carrier denies your claim, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and try to ensure that you will receive the coverage that you have been paying for. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome.

Internal Appeal vs. External Appeal

There are different types of appeals processes. You can use an internal appeal where your insurance company will review the case and make the decision. If the internal appeal process does not work you can use an external appeal where an independent third party will review and then have the power to make the decision, meaning the insurance company will not have the final say.

Ask for Help!

We are here to help you! Being insurance brokers, we work for you, not the insurance company. We protect you best interest and help you in any way we can. Many times, we have the relationships built, know the loopholes, and have past cases that are similar that we can use to help get a favorable response.

Don’t Take No for an Answer

Sometimes, the insurance company’s representative on the phone is simply following their basic protocol. The agent may not have the authority to make decisions beyond there guidelines, so ask for their supervisor. If the supervisor doesn’t give you a positive answer, ask for the department that can escalate your case for review.

Reach Out to Contacts

We reach out to contacts at your insurance carrier. Sometimes, relationships can help you get the answer you want to hear or point you in the right direction. Also, our relationships with people at the insurance company may benefit you in the form of exceptions for your case. Some of our contacts have that authority. Remember, sometimes it’s who you know! If that’s not enough, we ask about filing an appeal. Identifying similar cases may help in finding a loop hole or scenario that you can benefit from. This can determine the likelihood of getting an approved appeal.

Be Patient

Disputing a health insurance claim is a lengthy process. It can take up to 90 days to conduct the appeal, so patience is a virtue.

Prevention

The best way to avoid disputing a claim is to read your policy and the updates that are sent to you. Do your research and learn exactly what you have coverage for, who is in your network, etc. If your doctor recommends a procedure, you will be better prepared to ask questions.

Sometimes there are things in your plan that you don’t understand, or words that you have never heard before. For help with tricky health insurance lingo, read our previous blog, “Health Insurance Terms 101.” If you are interested in purchasing health insurance, or have any questions about your plan, or which plan would be best for you and your family, contact us at 954-828-1819 or visit us online at mhginsurance.com. We have the insurance specialists to assist and advise you on the best coverage for you and your loved ones at every stage of life.

Have you ever found yourself in a situation where your health insurance refuses to cover a certain medical bill that you thought would be covered?

175511857Working onboard a yacht can be an exciting and fulfilling experience. Yet, being at sea for extended periods of time can present some dangers, from big waves, storms, mechanical issues, etc. But what many don’t realize, that there can be just as many dangers for yacht crew while docked at a shipyard. Yes, you may essentially be on “land” but all that does is raise new opportunities for accidents and tragedies. So if you are scheduled to be docked at a shipyard, be aware of the following mishaps, which can help prevent an injury, or worse.

Strangers

When the yacht is in the shipyard, there are many people coming onboard which can make a tight area quite crowded. People stepping all over each other, turning a corner and running into someone, there are many scenarios that can lead to an injury. Especially since the majority of the people that will be on the yacht are not familiar to the vessel’s environment. Make sure to have some caution signs to warn the crew of work in progress, or workers that are coming onboard.

Clutter

Being on a yacht for months at a time, you begin to know every nook and cranny like the back of your hand. Knowing everything from certain creaks, slippery areas, changes in floor elevation, can help keep you from injuring yourself. With many people coming aboard and different crews working throughout, there can be a lot of tools, hoses, drop clothes, wires, open panels, construction materials, and a plethora of other items lying around, just waiting to be tripped over. Also, when docked, there is good chance your yacht is going through an extensive renovation, which can lead to many things being moved around, and not put back in their proper places. Make sure you go around and check if everything is put back correctly, and that equipment is ready to go once cleaning has finished, and watch your step for any materials just laying around!

Land Legs

Did you know that some people suffer from motion sickness once they’re back on land after spending a long time on a boat? When you’re on a boat for a long period of time you get used to the rocking motion and when returning to solid land, some can still feel the rocking sensation which can cause motion sickness. Take the time to obtain your land legs if you will be doing work on solid ground, this way you don’t lose your balance. Do some exercises (jumping jacks, yoga), get some sleep, or try some other stress relieving tips to help you get your legs.

Chemicals

Usually when a yacht is docked at a shipyard, it is time for an extensive cleaning. With cleaning comes some chemicals and fumes that can be very dangerous. Have you ever heard what happens when mixing ammonia and bleach? There are also many other chemicals that can stem from your vessel being docked, from stripping varnishes, water treatments, and new urethanes. Not having the proper protection from harmful chemicals can lead to problems. Be sure to have proper gloves, masks, suits, etc.

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. For more information on yacht crew insurance read our previous blog, 5 Things You Should Know About Crew Insurance. If you are interested in purchasing or have any questions about yacht crew insurance or travel insurance, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. See you at the Newport Charter Yacht Show!

If you are scheduled to be docked at a shipyard, be aware of the following mishaps, which can help prevent an injury, or worse.

flightThe “fasten your seatbelt” light has just lit up! You are now on your way to your destination. Isn’t it exciting traveling to different places? I’m sure it would be even more exciting if long flights didn’t take such a toll on you, mentally and physically. Long international flights can almost make it hard to enjoy your trip, with all the time being seated, and the long customs lines you must go through.

With all the things everyone dreads about international flights, it is all worth it when you get to experience new cultures and traditions, see sights you could never imagine, or relax on a beach for your vacation. Since long flights get a bad rep, use these 5 tips to help survive your next flight, and get you to your enjoyment with more peace of mind!

Request a Special Meal

It used to be customary for you to receive a free meal on all flights, domestic and international. Now you are lucky if you get a bag of peanuts. However, there are still many foreign airlines that may serve you a meal during an international flight. Look up airlines that still have this feature, or try requesting a special meal when you are booking. Having a substantial meal instead of snacking can give you energy and keep you from feeling drained.

Set Your Time

One of the harder things to get accustomed to when traveling internationally is the local time. Your body typically runs on its own clock. So if you are traveling somewhere that is 5 hours ahead, you could be in for a rough transition. Set the time of your destination when boarding the flight. This will give you better judgement of how much time you will have left in the day upon arrival, and also allow you to use the flight to adjust if needed.

Bring a Survival Kit

Don’t you hate sitting next to a screaming baby for 20 hours? One way to help prepare is by bringing a survival kit to help you get the rest you need, and keep you in the best mood possible. Pack ear plugs, an eye mask, snacks, toiletries, etc. It is also a good idea to freshen up halfway through the flight to give you your second wind. This will also give you an excuse to get up and move around.

Don’t Forget the Entertainment

A long international flight can sometimes feel like a lifetime, and if you don’t have things to keep you busy, it will feel like an eternity. Pack an iPod, iPad, tablet, laptop, etc. to keep your mind busy. You can also bring a book(s), word puzzles, Sudoku, and other items as well.

Take Care of Your Body

Did you know that flying can dehydrate you? Stay hydrated, and bring water to drink regularly throughout the flight. Also, try to get up and stretch regularly to keep your blood flowing and keep from getting stiff.

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.

Since long flights get a bad rep, use these 5 tips to help survive your next flight, and get you to your enjoyment with more peace of mind!

MarineWelderCommercial General Liability insurance is designed to cover land-based operations. Typically, there is an exclusion in most CGL policies for any work done onboard ship, docks, or piers. The reason for this exclusion is that marine risks are better suited for a Marine General Liability policy. One major area of concern for a marine risk is the coverage for care, custody, and control. This coverage is critical for ship repairers especially and is a standard coverage on an MGL policy.

A Look Back

As you may have read in one of our previous blog posts, Marine General Liability vs. General Liability, we explained that General Liability excludes work done on ships, docks, and bridges. A General Liability policy doesn’t include watercraft coverage; including the ownership, maintenance, and use of watercraft owned by you, the insured. The client, shipyard or vessel may never know all these exclusion by just looking at a certificate of insurance. The forms and endorsements are included in the policy wording- which brings up the fact that an experienced insurance broker could help you when it comes to the specifics of policy exclusions and/or benefits.

Commercial General Liability

Commercial General Liability policies protect business owners against claims of liability for bodily injury, property damage, and personal and advertising injury (slander and false advertising). Premises/operations coverage pays for bodily injury or property damage that occurs on your premises or as a result of your business operations. Products/completed operations coverage pays for bodily injury and property damage that occurs away from your business premises and is caused by your products or completed work.

Marine General Liability

Marine General Liability policies are designed specifically for those who work on vessels, docks, and ports. These policies include coverage for Marine Contractors, ship repairers, and others who work on or near water.

Why didn’t I Know about This?

Often, contractors that perform work such as carpentry or welding will be asked to do work on a ship or in a port. Their normal operations are on land and they carry CGL coverage. Many do not realize that their current policy will not cover them for work done on a vessel or on a dock. Most shipyards, vessels, and ports don’t check the coverages listed on a certificate of insurance provided by the contractor, they may let them work with improper coverages, not knowing the exclusions that the contractors have in their policies. This is where the problem arises, since they may not be covered in the event of a loss or accident.

Why aren’t Marine Contractors Covered?

Commercial General Liability policies are not designed to cover marine operations. In order to offer coverage for a risk, the underwriter needs to understand the operation. Class codes are used as a way for an underwriter to rate a risk and determine the premium paid. Class codes are also a way for an insurance company to decide what types of business they want to insure. It is important that the company that insures your business understands exactly what you do and how you do it. Otherwise, you may be paying for a policy that will not cover a loss specific to your business. Marine businesses are best insured by a marine underwriter with an insurance company that is familiar with the marine industries.

Working with an expert insurance broker, like the brokers at MHG Insurance Brokers, can help you obtain a policy that specifically addresses your needs and is customized to your benefit. Remember, cruise lines and marinas require proof of appropriate insurance coverage before any job can begin, so make sure you have the right policy in hand. To learn more about the advantages of Marine General Liability coverage, contact an MHG broker today by visiting mhginsurance.com or calling 954-828-1819. For more information on filing an MGL claim, read our previous blog, “How to File a Marine General Liability Insurance Claim”.

Typically, there is an exclusion in most CGL policies for any work done onboard ship, docks, or piers. Read to learn more!

52471054026 July 2018

The International Seafarers’ Welfare and Assistance Network (ISWAN) is partnering with MHG Insurance Brokers to launch a survey of seafarers who work on superyachts to investigate welfare issues specific to the sector. Questions will be asked on food, cabins and communications, as well as the health and wellbeing of the men and women working on board. The survey has been designed to:

· highlight areas of welfare needs among seafarers on superyachts

· see what is working well under current conditions to meet their welfare needs, and what needs improvement

· explore how existing seafarers’ welfare structures may meet these needs and where there is scope for new provision

A recent survey commissioned by Yachting Pages Media Group found that 75% of crew surveyed said that the industry is not doing enough to tackle mental health problems and look after the overall wellbeing of crew. The results of Yachting Pages Media Group’s survey can be found here: www.yachting-pages.com/superyacht_news/mental-health-falling-under-radar-superyacht-crew.html.

‘Maritime welfare organisations are used to dealing with seafarers on cargo and cruise ships. The number of seafarers in the yacht sector has grown to around 35,000, and we need to know more about the challenges which are specific to the superyacht sector. As seafarers on superyachts are covered by the provisions of the ILO Maritime Labour Convention their welfare needs – at sea and ashore – should be better known and provided for,’ said Roger Harris, Executive Director of ISWAN.

Andrew Dudzinski, CEO of MHG Insurance Brokers, explained their support of this initiative: ‘The welfare of all crew, but especially those who are insured with MHG, is a primary concern for us. The mental and physical health and wellbeing of these seafarers is not just a professional interest. We want to know better what makes them tick and how their time at sea can be improved.’

Andrew Wright, Secretary General of the Mission to Seafarers, who are assisting with the distribution of the survey, said: ‘Yacht crew do an amazing job, catering to a small but very influential clientele, providing a phenomenal level of professionalism and service. For most crew this is a satisfying and wonderful job, but we need to see where improvements can be made.’

Members of superyacht crew can answer the survey here: www.surveymonkey.co.uk/r/yachtcrew. The results will be published in a report on the ISWAN website (www.seafarerswelfare.org) in December 2018.

For further information, please contact:

Tom Holmer

ISWAN, Croydon, UK

Telephone: +44 20 8253 0163

tom.holmer@iswan.org.uk

Mobile: +44 7807 311852

Diana Gonzalez

MHG Insurance Brokers, Florida, USA

Telephone: +1 954 548 3581

dianag@mhginsurance.com

Mobile: +1 954 232 2957

ENDS

NOTES TO EDITORS

International Seafarers' Welfare and Assistance Network (ISWAN): An international charity dedicated to the relief of need, hardship or distress amongst seafarers of all nationalities, races, colour and creeds irrespective of gender. seafarerswelfare.org

MHG Insurance Brokers: Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, property and casualty insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S., MHG provides group and individual employee benefits along with advice on federal regulations regarding the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com

The International Seafarers’ Welfare and Assistance Network (ISWAN) is partnering with MHG Insurance Brokers to launch a survey of seafarers who work on superyachts to investigate welfare issues specific to the sector.

MOC002-edited222Having insurance is a necessity in today’s world, whether you work on land or on water. There are so many different types of insurance available to you, many times it can be confusing what you should be including in your plan. Even more so for yachties! Yacht crew need a different insurance plan than normal, because they live a completely different lifestyle that those who are land based. Also, crew may be traveling around the world rather than staying in one country. So if you’re a crew member, here are 5 things you should be thinking about when purchasing crew insurance.

1. All crew insurance policies ARE NOT created equal.
There are many different types of crew insurance. You can have coverage for a variety of different things depending on what your preferences are and the yacht owner’s needs. Just keep in mind, the more coverage you have, the more you are protected.

2. Price should not be the first or only thing you look at.
Although you may not want to pay more for more coverage, you may want to rethink your strategy. Anything can happen while at sea, so it may be a smarter idea to have a more comprehensive plan that offers better coverage in the event that there is an emergency or something tragic happens, which may do even more damage to your wallet. After all, your health and safety should be a bigger priority than trying to save a buck.

3. Work with a specialized broker.
It is important to work with a specialized broker when buying crew insurance, because, as stated before, there are so many intricacies in a crew insurance plan. There are certain liabilities that need to be covered that a normal broker may not think to include in your plan. Also, a broker will work for you to get you the best package for you and your crew, and also work for you when needing to file a claim. Many agents can sign their clients up for a policies and not fully understand the conditions of the policy that could leave the owner exposed. So you don’t have to stress, let the experts handle it!

4. Crew insurance means a lot of different things to a lot of different people.
What does crew insurance mean to you? Crew insurance is not P & I insurance and not personal accident insurance, it is a type of medical insurance. Believe it or not, there are group and individual crew plans. Sometimes owners will leave it up to the crew to fend for themselves when selecting insurance and reimburse them up to a certain amount. This can make things tricky because there will be a lack of uniformity on board, with crew members having different plans from different companies. If that is the case, be sure to know the contact information for their insurance in the event of an emergency.

5. Having proper crew insurance is YOUR responsibility.
Having proper insurance is your responsibility. Not that of the yacht owner. As stated earlier, there are instances where the owner leaves it up to you to insure yourself and will reimburse you up to a certain amount. Just because you are working on a yacht, doesn’t automatically mean you have coverage.

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 crew insurance, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

If you’re a crew member, here are 5 things you should be thinking about when purchasing crew insurance.

Plane lands at an airfield at the sunsetDid you know that taking at least one trip a year, reduces your risk of heart disease by 30%? With a statistic like that, how can you not already have your bags packed?! Before you rush out to book your next trip, be sure to use our checklist below when making any decisions about travel insurance, as well as traveling abroad. Traveling abroad can create some of life’s greatest experiences. Seeing other countries, cultures, and people can create memories that can be shared for a lifetime. In order to ensure that those memories are happy ones, travel insurance should be on the top of your list before you book that flight.

Having an emergency while you’re abroad can be a scary experience for many reasons. You are far from home, in a country that you do not know much about, and may not know where to go in the event of an emergency. Maybe you don’t speak the language which could make it impossible to try and get assistance from a local. You don’t have the family/ friend support that you do at home. Travel Insurance should provide you with the proper coverage to protect from an array of unplanned events that can really ruin a trip.

Travel Insurance Checklist

A good travel insurance policy should include the following:

· Maximum plan limit of at least $1,000,000.

· Provide coverage in most countries around the world.

· Provide coverage for accidents, illness and the acute onset of a pre-existing condition.

· Emergency air/ground transportation to the nearest qualified hospital.

· 24-hour worldwide emergency assistance.

· Pre-trip health and safety advisories on your destination such as required vaccinations, health risks and travel restrictions, medical monitoring, provider referrals for Western-style medical facilities, medical and dental practices and pharmacies. Other useful services include travel document replacement, lost luggage assistance, emergency travel arrangements and translation services.

· Simple online enrollment.

· Easy claim submission.

Travel Insurance benefits can vary based on policy or company, so it’s best to review a few different options from a reputable company to see which plan is best for you. Also, using an Insurance Broker can provide with you benefits that you may truly value. An insurance broker will typically work for you, the client, and offer you advice and assistant to getting the best l plan possible according to your budget. One reason they may be able to get you better coverage is because they represent several companies as opposed to just one. So their best interest is in the customer rather than the company. They can also assist you in with any claims you make and work on your behalf.

What should I Bring?

Once you purchase your travel insurance, you can begin fully to enjoying yourself and look forward to your adventure without having to worry about the unknown. Packing is very important, , be sure to include the following to make it as hassle free as possible:

1. Travel insurance card

2. Passport and visa

· Make sure the expiration date is not during your trip, also bring a copy of your passport for back up purposes

3. Flight itinerary

4. Immunization documents

5. A Full list of all accommodations

· Including addresses and phone numbers from all the locations you will be staying. Also be sure to include this information with a friend or family member who will be staying home.

7. Contact information for your country’s embassy or consulate in your destination

8. Emergency contacts

· It is smart to keep in touch with loved ones during your trip, checking in every so often.

9. Money

· Never have all of your cash in one place. Cash, cards, checks, passport, if you include them all in your day bag, and it happens to be misplaced or stolen, you may be stranded.

10. Map of where you will be going, along with a translation dictionary.

Once you have completed these checklists, you can officially kick back and enjoy your time. Don’t forget to take lots of pictures!

MHG Insurance Brokers wishes 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 are experienced and can assist you in selecting the right plan for you, with the best value.

Traveling abroad can create some of life’s greatest experiences. Seeing other countries, cultures, and people can create memories that can be shared for a lifetime.