Travel Insurance for Cuba?

cuba travel insuranceSpanish, cigars, and sangria, just a few things the fairly mysterious country of Cuba is known for. This small island is rich with history and culture, and thanks to new laws that have been passed between Cuba and the United States, many will now be able to learn and experience everything this island has to offer first hand. The best part is, you won’t have to go uninsured either. Just in case you didn’t know, the United States government has restricted travel to Cuba since the 1960’s, ever since Fidel Castro came to power. So even though the borders aren’t fully open to American citizens, this is the first time in over 50 years that many will have the opportunity to experience Cuba in a way that wasn’t even an option before. 


What’s New?

The U.S. government has loosened the travel restrictions to allow Americans the ability to travel freely to Cuba, just not as freely as you may think. While American citizens won’t need prior authorization to visit the country that is famously 90 miles south of Florida, there is still a catch. The U.S. government has limited travel to journalists, government officials, those licensed by the Treasury Department, academic purposes, and those with immediate family members living in the country. Independent travel to Cuba still remains prohibited for Americans. Oh, and if you were planning on bringing back some Cohibas with you, there are limits to the amount you are allowed to bring home. Visitors will be allowed to spend more, being able to bring back up to $100 in Cuban cigars and even use credit cards. 

Business 

U.S. companies are now following suit after the loosened ban on travel to Cuba. It hasn’t happened across the board yet, but airlines, hotels, travel agencies, and many other businesses will soon look to expand their business into Cuba. So for the time being, it still may be difficult finding travel accommodations to get to Cuba with no direct flights available, so be prepared for layovers and having to take connecting flights from Mexico or other countries within the area.

Insurance 

Of course our favorite business expanding into Cuba is insurance! The Cuban government requires that all visitors must obtain a medical insurance policy upon entering the country. Typically, those that do not have an international insurance policy, travel insurance can act as their primary insurance while abroad. For those who were wondering, there are several travel insurance options that offer coverage in Cuba just as it would anywhere in the world! So if you are planning on making the trip, contact us for your travel insurance that includes Cuban coverage!

Keep in mind that all of the changes that are forthcoming are new, and new information can present itself at any time. Be sure to check in regularly to stay aware of any updates. 

If you have any questions about your travel insurance regarding Cuba, or are interested in purchasing yacht crew insurance or expat 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 insurance regarding Cuba, read our previous blog, “What Does Cuba’s Opened Borders Mean for Your Insurance?” MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs.

Travel Insurance for Cuba?

Holiday Travel TipsIt’s the Holiday Season! Many people pack their bags and head to the airport, drive cross country, even get on a cruise. The offices are closed, businesses aren’t as busy (except for retail of course), and people want to take a break from the stress of the daily grind, to relax and get ready for the year to come. And there are those who travel to see their family, friends, and loved ones. It really is a busy time of year for the travel industry, and if you aren’t an experienced traveler, you could face some headaches of your own trying get to where you’re going through all of the craziness. Where will you be traveling? Are you traveling to a family holiday, or a nice getaway? Please comment below, as we would like to share some travel tips to help make your travels this holiday season as stress-free as possible. 

 

Book Early 

Not many people start thinking about their holiday travel plans in June, however, if you want the best price, then it’s time to start planning ahead! Airline prices typically increase at a slower rate, going up and down narrowly from June to November. But, once November comes along, prices skyrocket. Travelers waiting to book their tickets in November and December can pay up to 50% more for their ticket than at any other time of year! 

Try Different Airports and Airlines 

When booking a flight, try to include multiple airports in your area, as well as in your destination city. Some airlines have different flight times at different airports, so you may be able to find a flight that better matches your schedule. Also include different airlines to see the different times and prices. You may find a flight that is a lot cheaper, and get a better deal by keeping your options open. 

Pack Light

Airlines are becoming increasingly strict when it comes to luggage. With checked bag allowances, weight limits, packing light could save you time and money. You also won’t have to wait for your luggage on a conveyor belt, battling a crowd of 100 people. Plus, if you are driving a long distance, you could get better gas mileage as well, since your vehicle may be lighter. Are you bringing presents with you? Purchase gifts online and have them shipped to your destination to cut down on luggage. 

Leave Early 

Don’t be in a rush when dealing with crowded airports. There is only one speed, slow. So give yourself enough time. Bring some reading material or something to keep your mind busy in the event of long lines or weather delays. Even de-icing the plane can take up to an hour. 

Have your car checked 

The last thing you need when driving across the country, is your car to break down. It’s enough of a nuisance to have your car fall apart when you are home, but when you are in the middle of nowhere, with no one nearby, it could quickly turn into a nightmare. Have your oil checked, tires, brakes, etc. It’s always good to pack a winter safety kit in the event you do break down. It could be hours before help arrives, so make sure you have blankets, flashlights, water, food, etc. 

Travel Early in the Day 

When traveling by airplane, flights that leave earlier in the day are less likely to be delayed or late. Also, if your flight does happen to be delayed or cancelled, you will have time to book a flight for later that day, rather than having to wait until tomorrow, and having to find a hotel nearby to stay the night.

Take a deep Breath! 

Traveling can be overwhelming, especially when you have the kids, grandparents, and a whole ton of luggage to look after. So just take a deep breath, and try to remember that this is the time of year to be happy and cheerful. A delayed flight, or traffic jam will pass, enjoy the time while you can!

Traveling Internationally?

If you are traveling abroad for the holidays, don’t forget to secure your trip with travel insurance. Unexpected events can happen at any time, complicating even the most meticulously scheduled travel plans. An allergic reaction, broken bone, sprained ankle, food poisoning, or other mishaps can turn a fun, relaxing trip, into a nightmare of hassles. Get proper coverage so you can fully enjoy your holidays, stress-free!

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.  

Save Time and Money with these Holiday Travel Tips

Buying Travel Insurance

We all consider insurance to be necessary when it comes to our health, automobiles, and homes. Though it is difficult for the average person to understand the verbiage that is contained in most policies, that does not hinder people from purchasing life insurance and other types of coverage once they reach a certain age and wish to start a family, or start planning for retirement. One type of insurance that often gets overlooked, however, is travel insurance.  Many people are not sure if they need it, or are aware of what exactly it can do for them. Travel insurance is a valuable tool that is designed to protect those traveling domestically or abroad, for business or recreation. There are several options to choose from depending on the types of coverage you require, but most travel insurance policies provide coverage for the following occurrences:

  • Medial emergency or evacuation: This should be the primary reason to buy travel insurance. Although your current health plan may cover you in certain instances while you travel, emergency medical transportation is often not covered, and the cost of this service can rise upward toward $100,000. Travel insurance comes in handy here, as it can prevent you from maxing out the benefits allotted through your health plan. There are primary as well as secondary plans available, which work in tandem with your current health plan.

  • Trip cancellation: When you plan a trip months in advance, there is no way to predict what circumstances may arise between now and your departure date. Trip cancellation insurance will protect you in the unfortunate event of a death in the family, an illness, or an accident. You are also covered for situations that occur which are outside of your control, such as severe weather causing the delay or cancellation of your flight.

  • Baggage or Personal Items Loss/Theft: This covers you if the airline loses your luggage, or if you stored your laptop in your hotel room one afternoon, only to come back to find it missing. You can also insure camera equipment, and other valuables.

  • Personal Liability:  If you are involved in a car accident while driving in a different country, or accidentally cause damage to something and are now finding yourself being asked to remedy the situation, this coverage will be of great value to you.
How can you determine if you need travel insurance? Here are some things to think about:

  • Take Inventory: Assess the policies that you currently have in place to check to see if you are covered for health emergencies, medical care and treatment when you travel. Check the credit cards you use as well. Some automatically cover things like baggage loss or flight cancellations.

  • Don’t Skimp on Protection: Most people skip travel insurance because they just see it as an added expense being tacked on to their trip. With most travel insurance policies costing somewhere between 3% and 8% of what the trip costs, this is a drop in the bucket compared to out-of-pocket costs if an incident does occur and you aren’t covered.

  • You Snooze, You Lose: If you are considering buying travel insurance, it is best to purchase it within 24 hours of booking a trip, or as soon as possible afterward in order to get the best rate.

  • Travel More, Save More! If you travel frequently, you can consider multi trip insurance policies, or annual policies, which may be less expensive as compared to obtaining coverage right before each trip.
MHG Insurance Brokers draws from their extensive experience and knowledge in the insurance industry to give clients the greatest value and most comprehensive coverage available. MHG insurance specialists will clearly outline the coverage provided to you in your travel insurance policy, as well as tell you about any limitations or exclusions so you are fully aware of how protected you are before your trip.  Visit MHG Insurance Brokers online at mhginsurance.com, or call and speak to an MHG insurance specialist today at 954-828-1819. Don’t leave home unprotected.

Must Knows Before Buying Travel Insurance

Expat Insurance Quote Options

Expat Insurance Quote OptionsMoving to another country can be the exciting adventure of a lifetime. Whether you will be pursuing your studies during a semester abroad or relocating more permanently to further your career, it is imperative that you have a health insurance policy that provides coverage in the country where you will be residing. In certain cases, you may qualify for the national health plan of your host country, but the majority of travelers will need to obtain expatriate health insurance coverage. 


If this is your first time purchasing an international health insurance policy, the process can be a little confusing so we have provided these expat insurance quote options to help you on your way.

  1. Research the health insurance requirements of your destination country

    A number of countries will not let you relocate unless you have health insurance coverage in place, and some require specific coverage, such as medical evacuation coverage or repatriation of your remains if you should die. Research the requirements for your destination country well in advance of your move date so you have time to investigate various plans, obtain the necessary coverage, and submit any required documentation. Good places to start your research include your employer and your home country’s governmental department regulating international travel (U.S. citizens should consult the U.S. State Department).

  2. Consider your needs

    If your work or recreation plans include travel to other countries, your international health insurance plan will need to include coverage for those destinations as well. In most cases, the simplest option is to choose worldwide coverage, so you do not have to reapply each time you cross a border. You may want a plan that includes coverage in your home country as well; many expats prefer to return to their home country for serious operations and to give birth. If you intend to participate in sports or hazardous activities, you may need to purchase a rider on your policy to ensure any injuries are covered.

  3. Buy before you leave

    Medical underwriting for international policies is not instantaneous; it can take anywhere from several days to several weeks for approval. Make sure you begin the application process early, or you could arrive at your destination only to discover that your application for expatriate health insurance coverage has been declined.

  4. Read your policy carefully

    Reading the schedule of benefits, usually found on the first three to five pages of an expat policy, will give you a valuable overview of your coverage, deductibles, benefit limits, and any co-pays or co-insurance. It is just as important to read the limitations and exclusions, however; riders and additional coverage can be purchased for some excluded injuries, conditions, or activities, as long as you make provisions ahead of time.
Trying to find expatriate health insurance coverage on your own can be a daunting task. At MHG, many of us are expats ourselves, and we are well-acquainted with the needs of individuals living and working around the globe. Our Insurance Specialists have the experience, knowledge and access to multiple international insurance carriers to find you the most suitable plan based on your budget and future plans, whether you are looking for International Health Insurance, Expatriate Disability Income Insurance, or Life Insurance. At MHG Insurance Brokers, our commitment to your well-being does not end once you have purchased a plan; through our "Concierge Broker Service”, we will continue to assist you with questions about your policy and provide assistance throughout the claims process. 
  

Before you relocate to another country, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding the expatriate insurance coverage you need!


Expat Insurance Quote Options

5 Tips for Coping with Jetlag

5 Tips for Coping with JetlagThe Monaco Yacht Show opens later this month, giving yachting professionals and enthusiasts from around the world the chance to connect as they experience the best the yachting world has to offer. Whether you are a yacht captain, crewmember, or one of the many builders, designers, brokers, buyers, and other marine professionals who make MYS the world’s most prestigious yacht show, you need to be in top shape to keep up with the non-stop whirlwind of activity. If you are reaching Monaco by plane and suffer from jetlag, however, the yachting world’s most exciting four days can turn into a nightmare of disrupted sleep, nausea, and daytime fatigue. Try these 5 tips for coping with jetlag – they will help you combat the effects of your flight so you can keep up with even the most demanding Monaco Yacht Show schedule!

  1. Get a Good Week’s Rest

    Although it seems like you have a million chores to accomplish before you leave for Monaco, make a conscious effort to get at least eight hours of sleep every night for the week before your departure. This pre-trip rest is essential if you plan to participate fully in the Monaco Yacht Show; travelling in a state of fatigue tends to heighten the effects of jet lag, turning what could be a mild case of tiredness into full-fledged exhaustion.

  2. Adapt to Monaco’s Time Zone Before You Arrive

    Altering your schedule before you arrive in Monaco allows your body to make a gradual adjustment to the change in routine, rather than a sudden shift that can induce jetlag. Shift your bedtime half an hour later or earlier each night until you are on Monaco’s time zone; if you are travelling east, do the opposite. Move your mealtimes closer to the schedule you will follow at the Yacht Show, and change your watch to Monaco time as soon as you board your flight.

  3. Stay Hydrated

    Dehydration exacerbates the effects of jet lag, so make sure you drink a generous amount of water before, during, and after your flight. Avoid alcohol and caffeinated beverages, as they disrupt sleep patterns and actually dehydrate your system.

  4. Follow an In-Flight Exercise Program

    Staying sedentary during your flight will slow your circulation so you arrive sluggish, sleepy, and ill prepared for the demanding schedule you face at the Monaco Yacht Show. Try performing simple stretches and easy isometric exercises during the flight; taking frequent short walks about the cabin will also increase alertness and reduce the swelling and aches that long international flights can induce.

  5. Resist the Urge to Nap

    Once you land, you may feel an overwhelming urge to nap. Waiting until local nightfall to sleep will help counteract the effects of jetlag, allowing you to be more alert so you can be at your best when you meet the crowds at MYS.

If you still suffer from jetlag or other illness during your trip, you may need to consult with a medical professional about prescriptions and other treatment options. MHG’s travel insurance policies can provide referrals to local Monaco doctors and hospitals, avoiding the need to interrupt your planned meetings to search for a practitioner. Our international health insurance plans offer a choice of geographic area of coverage, policy deductible/excess and, in some cases, choice of coverage limit, so you can tailor your coverage to match your specific destination. MHG Insurance Brokers offers a full range of travel insurance coverage including travel health insurance, trip cancellation insurance, extreme sports insurance, and other plans that provide full protection so you can focus on making this year’s Monaco Yacht Show the most successful one yet!

Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for a full range of travel insurance coverage options for your Monaco Yacht Show trip and other business destinations!

5 Tips for Coping with Jetlag

Cruise Line Travel Insurance Coverage for Visiting Family and FriendsWorking as an officer or crew member onboard a cruise ship has afforded you the opportunity to travel, meet people from around the world and experience other cultures. Now your family and friends are coming to visit so they can share those amazing experiences with you, leaving you with the question, “Where can I find cruise line travel insurance coverage for visiting family and friends?” Turn to MHG Insurance Brokers, the same company you rely on for your marine crew insurance needs! MHG is a full-service insurance brokerage, with travel insurance plans that will ensure your guests are fully covered in case an accident or illness occurs. 

 

With Travel Insurance, your guests have coverage wherever they roam. 

Most U.S. health insurance coverage does not extend to countries outside the United States; plans that do include international coverage usually have limited or no networks, which can leave policyholders without coverage when they need it most. If your guests suffer an accident, injury or illness while exploring on shore, you will need to find skilled, professional medical care in a hurry. MHG offers travel insurance plans that are specifically designed to work in the geographic areas you will be visiting, and they can provide referrals to local qualified doctors and hospitals, and if needed, can provide translation assistance during treatment. 

Travel insurance provides a range of coverage. 

There are several travel insurance policies available through MHG; while they have differing benefit limits and deductible amounts, they all provide coverage for emergency medical expenses, including the cost of emergency medical evacuation to transport policyholders to the nearest medical facility qualified to treat their medical condition. Emergency message relay to family, friends and co-workers will help to maintain contact during an emergency, and if emergency medical evacuation is necessary, travel insurance may even cover the transportation, lodging, and meal costs of a relative so no one is left without family support in an unfamiliar country. After the chosen deductible is met, travel insurance helps cover the cost of inpatient and outpatient medical expenses, ambulance services, and can help pay for physical therapy, emergency dental services, and other important benefits. 

Count on MHG Insurance Brokers to provide easy, affordable travel insurance options. 

MHG’s travel insurance plans are surprisingly affordable and easy to attain! Your guests can apply online right now and instantly receive a travel insurance quote and coverage - the whole process takes just a few minutes, and coverage can start as early as tomorrow! MHG has several different travel insurance policies available; your guests have their choice of geographic area of coverage, policy deductible/excess and, in some cases, choice of coverage limit. If you plan to include some of the more adventurous activities on your trip, such as scuba diving, wakeboarding, or paragliding, your guests can easily add extreme sports insurance to complete their coverage. Call the Insurance Specialists at MHG Insurance Brokers to ensure your family and friends have complete coverage for their cruise line vacation with international medical insurance, extreme sports insurance, trip cancellation insurance, and more. 

Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to ensure your family and friends have travel insurance coverage that protects them wherever they roam!

Cruise Line Travel Insurance Coverage for Visiting Family and Friends

5 Reasons You Need Cruise Trip Cancellation InsuranceYou have been looking forward to your cruise for months, waiting with eager anticipation to set off on your dream vacation. Cruises can be expensive, but the opportunity to enjoy the all-inclusive comfort of a cruise ship while visiting multiple exotic destinations is well worth the price. Cruises have extremely strict cancellation policies, however - if an unforeseen complication arises and you have to cancel your trip, you could lose all the money you invested in the cruise. Trip cancellation insurance can protect you in this situation, allowing you to recover your non-refundable, unused payments and deposits so you can reschedule your cruise and enjoy your dream vacation at another time. While you may be unable to imagine anything that would make you cancel your long-awaited trip, there are actually many reasons why a cancellation may be necessary. 

 

Medical Issues

Illnesses and injuries can happen at any time, leaving you unable to set off on your cruise. Trip cancellation insurance reimburses your cruise expenditures if you, a family member, business partner, travel companion, or travel companion’s family member becomes ill or suffers an injury or death. Some trip cancellation insurance coverage even reimburses you if you have to cancel your cruise due to the sudden flare-up of a pre-existing condition, provided you purchased the insurance within 15 calendar days of the  initial covered trip payment, and you were able to attend the cruise on the day you purchased the policy.

Job-Related Issues 

Even though you planned your cruise and arranged for leave from work, sometimes circumstances related to your job can cause you to delay or cancel your trip. Some work crises may require your presence; if you are a key employee at work and an emergency occurs, cruise cancellation insurance has you covered. Active and reserve duty members of the military, police, or fire department that have their personal leave cancelled so they can provide relief or aid related to a natural disaster or terrorist act, will have their cancelled cruise expenses returned. 

Unable to Leave

Sometimes unforeseen events can make it impossible for you to leave on your cruise. Covered events include an auto accident on the way to the scheduled departure point; unexpected jury duty; and the documented theft of your passport or visa. You are also covered if your or your travel companion’s home is made uninhabitable, due to fire, vandalism, or natural disaster. 

Financial Circumstances

If you are suddenly terminated or laid off from your long-term job, you may need the money set aside for your cruise to cover your living expenses. Provided you were at the same job for a certain amount of time, (typically one to three years, depending on the terms of your particular policy) you can be reimbursed for your paid cruise expenses. Cruise trip cancellations due to the financial default of a travel supplier are also covered.

Natural and Other Disasters 

Events that are completely beyond your control can interfere with your ability to safely depart on your cruise. Natural disasters resulting in the cessation of the travel supplier’s services, terrorist incidents, organized labor strikes, and medical quarantines are all covered reasons for cancelling your cruise. In addition to these five reasons you need cruise trip cancellation insurance, emergency medical expenses, repatriation services, and baggage delay can also cause expenses that are covered when you have trip cancellation insurance from MHG. 

Call the trip specialists at MHG Insurance Brokers to ensure you have complete coverage for your vacation with trip cancellation insurance, international medical insurance, extreme sports insurance, and more.

When you are ready to book your dream vacation, 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 adventure!

5 Reasons You Need Cruise Trip Cancellation Insurance

Will My Health Insurance Plan Cover Me InternationallyAccidents and injuries can occur at any time, leaving you in need of skilled medical care. If a medical emergency transpires when you are at home, your health insurance may provide the full range of needed benefits, but most insurance policies have different rules that apply to international travel. Since having the proper insurance coverage can make the difference between an easily managed situation and a medical and financial nightmare, before you head off on an overseas vacation or business trip, you first must find out, “Will my health insurance plan cover me internationally?” 

 

Many US health insurance plans do not include international coverage. 

While there are exceptions to this rule, it is likely that your US Health Insurance plan’s coverage does not extend to countries outside the US. The plans that do include international coverage tend to have limited networks, which causes them to work much less effectively. You will also probably have to pay all associated costs upfront before you can receive treatment, draining your financial resources when you are far from home. Before leaving on your trip, contact your insurance company to see if your plan does offer international coverage.

Medicare does not provide coverage outside the US. 

If you are an American senior whose only source of coverage is Medicare, you effectively have no health insurance benefits outside the U.S. Travel insurance plans are available to the senior market; however, they have a cap of $10,000 in coverage. 

Travel insurance is affordable. 

The insurance experts at MHG Insurance Brokers can provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad. International medical insurance plans are available that offer coverage for as little as five days to as long as three years, with deductibles that range from $0 to $25,000 to fit every budget. With a travel insurance plan from one of our designated carriers, you and your family will gain the peace of mind that comes from knowing you are protected in case of emergency. 

The application process for travel insurance is quick and easy. 

Enrollment in the travel insurance plans MHG Insurance Brokers offers is surprisingly fast and easy. You can apply right online, and same day coverage is available. 

Travel insurance offers an important benefit for European travelers

If you are a European traveling with your European Health Insurance Card (EHIC), you may be eligible for free or reduced medical care for an accident or illness within the 28 EU countries plus Iceland, Lichtenstein, Norway and Switzerland, but you are still lacking an essential benefit. In the case of a serious illness or injury, the costs of getting you home can be very substantial and these are not covered by the normal social system cover / EHIC. MHG Insurance Brokers can match you with medical evacuation insurance that covers the cost of your medical repatriation, so you can be returned to your home country without having to incur a sizable expense. 

Before heading out on your vacation, make certain you and your loved ones are covered in the case of unexpected illness or injury. MHG Insurance Brokers can advise you on the best selection of travel health insurance, trip cancellation insurance, and other plans to ensure your coverage matches your itinerary, coverage, and deductible needs. 

Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to enjoy the peace of mind that comes from knowing you and your loved ones are fully protected no matter where you roam!

Will My Health Insurance Plan Cover Me Internationally?

Most Common Travel Insurance ClaimsUnexpected events can happen at any time, arising out of nowhere to complicate even the most meticulously scheduled travel plans. A broken bone, allergic reaction, accidental ingestion of bacteria-laden water, or other mishap can turn an idyllic, relaxing sojourn into a nightmare of hassles as you try to navigate care options in a foreign country. As experienced travelers can attest, the best way to protect yourself is by purchasing travel insurance that provides coverage for emergency medical treatment, emergency medical evacuation should the local facilities be inadequate, and other important benefits. For those who think only daredevils and adrenaline junkies need travel insurance, a quick look at the most common travel insurance claims may cause you to revise your opinion.


Slip and Fall / Sports Injury Claims 

Knee sprains, strains, and tears are some of the most common travel insurance claims submitted. Knees are unfortunately fairly easy to damage, whether you are an active sports enthusiast enjoying exotic leisure pursuits or just a traveler stepping off a curb. Head injuries are also a common injury seen in slip and fall cases; while remaining alert and focused on your surroundings can help protect you from harm, something as simple as an unseen puddle of water can cause a slip that will derail your entire holiday. Without travel insurance in place, even minor injuries can become a major problem.

Cardiac Arrest / Strokes / Respiratory Claims 

It is easy to overextend yourself while on vacation; even a slow-paced walking tour can cause a stroke or cardiac arrest if the weather is too warm or the elevation too high. If you do not have travel insurance, you could be facing hospital and doctor charges in the thousands of dollars in order to receive medical care. If you are in a region that has substandard medical facilities, you will need emergency medical evacuation to a facility that can provide proper treatment. Medical evacuation insurance can completely cover the cost of your evacuation, depending on the coverage options you choose.

Transportation-Related Accident Claims

Transportation accidents can strike at any time, in any country, regardless of how careful you are, because you have no control over other drivers. Transportation injuries commonly occur with every type of locomotion, including automobiles, bicycles, and scooters; even pedestrians are not safe. These claims vary greatly in severity, from minor whiplash to severe bodily harm; travel insurance covers them all. 

Gastrointestinal Issues / Regional Illness Claims

Food poisoning, unclean water, parasites, and changes in diet make gastrointestinal issues one of the most common medical threats that travelers face. Regional illnesses, such as malaria, dengue fever, and exotic bug bites can make travelers so ill that they end up hospitalized for days or even weeks at a time. Without travel insurance in place, expenses for treatment can be so costly that they negatively affect your financial wellbeing as well as your physical health. 

Protect your travel plans - and your finances - with a travel insurance plan from MHG Insurance Brokers. Each of our plans offers a choice of geographic area of coverage, policy deductible/excess and, in some cases, choice of coverage limit. MHG Insurance Brokers offers a variety of comprehensive coverage for travelers, including trip cancellation, extreme sports insurance, and many more plans. 

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!

Most Common Travel Insurance Claims

Travel Insurance MythsYou have been working really hard these past few months and are ready for your well-deserved break! Whether you are cruising in the Caribbean, scaling the Great Wall of China or relaxing on the beach in the Canary Islands, it is important to keep your health in mind and purchase a travel insurance policy. Here are some common myths about travel insurance, and the facts about the valuable coverage it provides: 

 

Myth #1: Travel insurance is too expensive, I can’t afford it. 

The reality is, anyone who travels internationally can’t afford to be without travel insurance. Travel insurance is calculated based on age, type of coverage, the deductible/excess you select, and whether your trip includes travel to the United States, as well as the length of your trip. For example, a 35-year-old male traveling outside the US for 2 weeks, can select a travel insurance plan for as little as $10! Bottom line, there is a travel insurance plan for every trip and budget. 

Myth #2: My health insurance plan will cover me internationally. 

This is a dangerous presumption. If you are a traveling senior from the U.S., it is important to know that Medicare will not cover you outside of the United States. It’s also important to mention that many U.S. health insurance plans do not provide coverage when you are traveling outside of the country and the plans that do, may not respond as well and often require you to pay for services upfront and seek reimbursement later. Speak with your insurance agent or the insurance company to find out if your plan has international coverage before you depart on your trip. 

European Health Insurance Cardholders (EHIC) traveling within the 28 EU countries, as well as Iceland, Lichtenstein, Norway, and Switzerland, may be eligible for free or reduced medical care; however, what would you do if you were seriously sick or injured and had to be flown home for medical treatment? The EHIC does not cover the cost of medical repatriation and if you do not have adequate insurance, you would be responsible for paying this yourself. To ensure you have the proper coverage in place, select a travel insurance plan that includes a medical repatriation component. 

Myth #3: Travel insurance is just for emergencies. 

Not true, travel insurance is multi-faceted. Travel insurance plans not only cover you for medical emergencies, but can also provide valuable concierge services, such as pre-trip destination information, lost luggage assistance, travel document replacement, identity theft assistance and trip interruption among others. 

Myth #4: Travel insurance isn’t necessary for short trips. 

Whether it’s food poisoning, a sprained ankle or something more serious such as a stroke, unfortunately, accidents and illness can happen at any time. Whether you are away for a long weekend or several weeks, travel insurance can help mitigate these risks. 

Myth #5: I have a credit card that will cover any unforeseen medical emergencies. 

Some credit card companies offer travel insurance as a perk for their card members, but it’s not uncommon for this coverage to be limited, providing coverage for accidents only, not illness. It’s important to contact your credit card company for full details about what is included in the coverage so you can make an informed decision as to whether or not you need a separate travel insurance policy.   

No matter where your vacation or business trip takes you, it is important to have appropriate insurance coverage in place to protect you and your family. Speak with the Insurance Specialists at MHG in the US at 954-828-1819, or in Europe at +44 (0) 1624 678668 for more information and to purchase your travel insurance policy. You can also visit MHG online at: https://mhginsurance.com. Have a safe and pleasurable trip!

Debunking Common Myths About Travel Insurance