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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

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