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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

Insurance NeedsWe cannot predict when an emergency may arise or the setbacks we may endure. However, we can be prepared for these events by being insured properly during each stage of our lives. Often, we are able to resolve some situations that come up with personal funds from income or savings.  However, some unexpected hardships can be very costly. In the event of a larger setback, the function of insurance is to be able to shift the financial burden to the insurance company, so that we can maintain financial stability.

 

Part of assessing someone’s insurance needs is taking into account the life stage that person is in. Someone who just graduated college has different coverage needs than someone who is newly married and is considering starting a family. A newlywed’s insurance requirements are also quite different from that of a person who is about to retire. 

Additionally, taking into consideration the common milestones that occur during each life stage helps determine the different types of insurance that one should consider investing in. Here are some life stages to consider: 

  • Young, Single, Recent Graduate - If currently between jobs, or not yet eligible for coverage offered through a job, it is important to consider purchasing a health plan as well as disability coverage. In the event an accident leaves you temporarily unable to work, you will still be faced with having to pay bills and student loans. Life insurance is also something to consider –you may not think you need it right now, but it is still worth checking into, as the premiums will be at their lowest for those who are young and generally healthy.

  • Just Married – If you are thinking about starting a family, you will want to review your health plan to be sure you are able to add a new family member to the plan and make sure you have adequate coverage. Also, consider purchasing life insurance plans at this time. In the event of a spouse’s unforeseen passing, you will want to protect each other financially from having to incur any personal debts and funeral expenses, as well as cover expenses such as the cost of raising a child, college, and a mortgage.

  • Empty Nesters – With the children off on their own, take time to review your life insurance needs. You may want to adjust the amount of coverage you currently maintain, determining that you may not need as much. Also, consider purchasing Long Term Care coverage, which will cover costs that may arise for elderly services or facilities that may become a necessary part of the care you need as you get older.

  • Retirement– You will have to maintain your health insurance plan until you reach the age of 65, which is the age you become eligible for Medicare. At that time, you will need to consider purchasing a Supplemental Health Care plan as well as Prescription Drug Coverage, to enhance your Medicare plan and cover the medical expenses that Medicare does not. Travel insurance is also something to consider, as the retired years are when people do the most travelling.

Just as it is important to be properly insured, it is also essential to work with a reliable insurance broker, such as MHG. MHG employs experienced representatives who have earned the credentials necessary to provide you with the correct type of insurance and the proper amount. A knowledgeable representative will assess your insurance needs, determine the type and amount of insurance you should maintain, and find the best-priced policy.

Contact MHG Insurance Brokers today at 954-828-1819, or visit mhginsurance.com and speak with one of our insurance representatives. Learn how to protect yourself and your family with insurance coverage that is essential for every stage of life.

 

Changing Life Stages and Your Insurance Needs

Travel InsuranceYou have finally picked the perfect setting for your next vacation and are about to reserve all of your itinerary details. Right before you finish booking your trip, you are asked a routine question that can make or break your journey: “Do you want to add travel insurance to your purchase?” Most people are not aware of the fact that travel insurance is one of the smartest uses of their money when it comes to a vacation or business trip. Before we get into specifics, let’s take a look at a real world example from a client who declined the travel insurance option in the past. 

 

“From 2006-2009, I was flying to Europe quite often and each time I purchased a travel insurance policy. In 2008, I took a trip to Germany and for the first time decided not to purchase travel insurance. What a monumental mistake. I was walking home late one night, tripped over a curb, and tore a ligament in my right ankle. After visiting an urgent care facility, an orthopedic surgeon several times and medicine, my bill was $492 and my deductible was $500. Had I purchased my usual travel insurance policy for around $30 with a $0 deductible and $50,000 limit, I would have been out of pocket $0!” 

First, travel insurance can save you large amounts of money if you experience a medical issue while on a trip. Studies show that one out of every two travelers becomes ill during their trip and an average overseas medical bill can run between $1,500 - $2,400 dollars. Furthermore, most hospitals and physicians abroad expect payment before you can be treated. 

Other traveling mishaps that can be overcome with travel insurance include trip cancellation, lost or stolen luggage (never fun!), emergency transport and even natural disasters. Trip cancellations can happen for many reasons, and when it does, travelers lose an average of $1,186 per trip. Stolen luggage is another costly endeavor, with an average price tag of $350-$400 per bag. 

If you become severely injured and need medical evacuation back to the United States, be prepared to pay a hefty price tag if you didn’t invest in travel insurance. Average transport amounts run around $30,000 per traveler. Other details you should be aware of when traveling abroad is that most U.S. based healthcare policies do not cover policyholders when overseas – this is especially true for those on Medicare or other national health services.

 Considering all of the benefits of travel insurance, and coverage costing an average of 4-8 percent of your trip total, isn’t it time to talk to an experienced travel insurance broker? The knowledgeable agents at MHG can explain all of the advantages of travel insurance and tailor a policy to your specific needs. They offer a variety of advanced travel insurance plans that can help you put any travel anxieties to rest. You might have waited a long time to take this special trip – don’t let a travel mishap set you back financially. Call MHG at 954-828-1819 or visit mhginsurance.com today to book your travel insurance policy.

Should You Buy Travel Insurance?

Adventure Travel Insurance

Spring is here and enjoying the great outdoors is on your mind.  Are you traveling abroad for an adventure sport activity?  Detailed planning is important for a trip of this kind. 

 

After finding the perfect location, and purchasing or renting the needed equipment have you purchased the need protection?  Does your insurance cover you in a foreign country? What would happen if you got injured during this adventure?  Do you have medical insurance that covers you if you are injured as a result of this sports activity?

MHG Insurance Brokers have the insurance plans with the medical benefits that you need for traveling abroad and for participating in the extreme sports activities you love.  

Most traditional medical plans are not designed for international travel and usually exclude hazardous sports activities. MHG offers the Patriot Adventure/Extreme Insurance a plan designed for adventurous international travelers who intend to participate in the thrill of adventure sports and realize that their current medical plan does not cover certain hazardous sports and activities.  

With this plan you have access to 24 hour international, multilingual customer service centers ready to coordinate your emergency medical services and international treatment.  They understand the language and the currency of most countries. This plan has a low deductible of $250 and requires no coinsurance for treatment received outside the US and Canada while providing world class medical benefits for in-patient and out-patient medical expenses.   

Coverage is available for 30 days to 6 months and prices start at just $54. Visiting a place where medical care is minimum? The Patriot Adventure/Extreme Insurance plan includes coverage for emergency medical evacuation from a medical facility to the nearest qualified medical facility.  Once you are finished receiving the necessary medical treatment this plan also provides for the cost of returning to either the home country or the country where the evacuation occurred. Traveling with someone who is injured?  What if a loved one gets injured abroad while you are home?  With this coverage from MHG the Patriot Adventure also provides emergency reunion coverage, up to $10,000 for 15 days, for reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person.   

This coverage is for either the cost of accompanying the insured during the evacuation or travel from the home country to be reunited with the insured.  

When a loved one is injured you have enough to worry about without thinking of the expenses to get to them. Before you or a loved one travel abroad for the thrill of a lifetime make sure you are covered for those sudden and unexpected accidents and illnesses.  MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.

Adventure Travel Insurance

Trip Insurance

Everyone is talking about watching the Olympics in London this summer, but imagine going! What a trip of a lifetime that would be.  Taking your daughter to see her favorite gymnasts going for the gold or your son watching a soccer match played by the best in the world! 

 

Watching the Olympics in person with your family would be a once in a lifetime experience.  Now imagine that your child gets too sick to travel just days before you are due to leave.  Of course your first concern is their health but your second thought is what about the thousands of dollars we spent on this trip? 

Unexpected emergencies happen and can keep you from taking that trip of a lifetime.  Protect your travel investments with trip cancellation insurance from MHG Insurance Brokers.   As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to help you select the coverage you need. 

MHG offers two premium plans from International Medical Group designed to provide essential coverage for trip cancellation, travel and baggage delays, and emergency medical treatment. With the Patriot T.R.I.P Travel Insurance you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons here or where your trip is.  You are covered if your destination suffers from things such as financial default of a travel supplier, a terrorist incident, natural disaster or bad weather resulting in the cessation of the travel supplier’s services, medical quarantine, or hijacking.  

With our travel insurance you are also covered if you or a family member or your travel companion or their family member suffers an emergency illness, injury or death.  You are also covered for jury duty, employer termination or layoff or if your home or your travel companion’s home is made uninhabitable by fire, windstorm, vandalism or flood.  An auto accident on the way to your scheduled departure point; you are covered up to $20,000 per person. 

Benefits are also provided for travel delayed, baggage delays, and emergency medical treatment while you’re away from home. Patriot T.R.I.P. Elite Travel Insurance available through MHG offers top-notch services and benefits to travelers whose covered trip is cancelled or interrupted due to unforeseen circumstances. It includes all the benefits of the Patriot T.R.I.P. travel insurance with higher coverage.  For an interrupted trip you may receive 150% of the amount of your trip you elected to cover. For a delayed trip your amount is doubled to $1,000 per person, $200 per day after 24 hours or $500 for a missed connection.  If you are injured on your trip, you are covered up to $100,000 for emergency medical evacuation and repatriation.  Reasonable travel and lodging expenses are also covered for a family member to be at your bedside.  

If minor children or grandchildren are traveling with you when you are stricken with a medical emergency their return expenses will be covered. Traveling can be an exciting adventure, but the unexpected could happen.  Make sure you have the protection you need with insurance from MHG.

MHG Insurance Brokers offers a variety of comprehensive insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.

Trip Insurance

The arrival of winter means planning the perfect ski vacation for many people. What many people don’t realize, however, despite the hundreds of ski accidents that occur each year, is that winter sports may not be covered by their medical insurance plan. Nearly half of skiers on the slopes are not covered by vacation insurance and only 1 in 4 knows enough to ensure they are covered while skiing. 

 

Do you have proper insurance for your winter sport activities? 

Part of the fun of skiing and snowboarding is the element of danger involved, but you need to be certain you are protected in the event of the unexpected.  Even if you've been able to avoid an accident on the slopes, they do happen and you need to be prepared.  

You need extreme sports travel insurance, just in case you are injured, to be afforded these benefits: 

Medical Expenses. These benefits cover you if you need medical care on the slopes. It will also cover care at a medical facility in any country you visit. 

Emergency Medical Evacuation. These benefits will provide you with medical transportation to the nearest medical facility where adequate care can be received or back home, as necessary. 

Multilingual Emergency Assistance. This service helps coordinate your emergency medical care. It will keep you, and the medical staff caring for you, in touch with your family. 

You should be aware that a basic travel insurance plan may not be enough. Some providers exclude coverage for skiing and snowboarding and may require that you purchase an optional "extreme sports" rider to include winter sports insurance coverage. Also keep in mind that if you are a more adventurous skier who travels off-piste (out of marked bounds), you will want to make sure your plan includes cover for that also. Even if you are not a skier and you do not plan to hit the slopes this winter, it is important to make sure you have adequate coverage in the event of an accident or illness, regardless of the activities you may be pursing.

MHG Insurance Brokers offer a full line of individual and group insurance benefits for travelers and winter sports fans. Our wide selection of plans include medical insurance, US life and health insurance, disability income protection, life insurance, financial services, and property and liability insurance. MHG offers phone numbers from around the world so you can contact us easily and conveniently from anywhere around the world. Contact us to learn more.

Are You a Winter Sports Fan? Are You Skiing This Winter and Is It Covered by Your Insurance?

Did you watch the London Olympics?  Have those athletes inspired you to take up a new sport or get back to the one you love? 

 

Now that the closing ceremonies are complete are you looking to travel and have an adventure of your own? How about some rock climbing in England? Looking to jump out of an airplane like the queen? Is white water rafting, scuba diving or some bungee jumping in your future? Perhaps some BMX or motorcycle racing is more your style. 

Whatever extreme sport you are looking to participate in you need an insurance plan with the medical benefits to keep you covered. MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client.  MHG have the health benefit plans that you need for traveling abroad and for participating in the extreme sports activities you love. 

Most traditional medical plans are not designed for international travel and usually exclude hazardous sports activities. With travel policies you have access to 24 hour international, multilingual customer service centers ready to coordinate your emergency medical services and international treatment.  The insurers offering these plans understand the language and of most countries. 

Travel insurance including cover for adventure sports is very affordable so there is no reason to participate in international extreme sports without coverage. Plans typically require no coinsurance for treatment received outside the US and Canada, while providing world class medical benefits for in-patient and out-patient medical expenses.  Coverage is available for as little as 5 days up to a year. 

Where will you be traveling? Visiting a place where medical care is at a minimum? Travel insurance plans includes coverage for emergency medical evacuation from a medical facility to the nearest qualified medical facility.  Once you are finished receiving the necessary medical treatment plans may also provide for the cost of returning you to either your home country or the country where the evacuation occurred. 

What if the person you are traveling with gets injured? Or you are home and a loved one is injured and needs you? Travel insurance can provide emergency reunion coverage for reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person.   This coverage is for either the cost of accompanying the insured during the evacuation or travel from the home country to be reunited with the insured.   

When a loved one is injured, you have enough to worry about, so let the insurer help you. Before you go for the thrill make sure you are covered for those sudden and unexpected accidents and illnesses.  MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.  

Olympic Inspired Adventure Travel Insurance