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Expatriate ChecklistTaking the leap and becoming an Expatriate can lead to an overwhelming wave of emotions. From excitement, to scary, to nervous, to anxious, even nostalgic, knowing that you are leaving your home to start a new life in a new place will give you a rush one way or the other. Deciding to become an expat is step one of a long list of things to take care of before you set sail on your new adventure. So use this Expat Checklist when organizing, packing, and scheduling everything that needs to be done before your big move!  

  

  1. Medical check-ups for you and each family member are a must before you leave, and make sure to get an extended supply of any prescription drugs. Also, obtain a copy of the medical file related to the condition that requires prescription drugs, and be sure to keep these with you during your travels (keep in your carry-on). Check what vaccinations are required.
  2. If you have children, look into education opportunities abroad. The countries school system, boarding school, home schooling, etc.
  3. Learn the language! At least the basics in order to communicate important stuff.
  4. Passports and VISAs need to be valid, and it may be a good idea to renew them if they are set to expire in the near future. If you’re filing for a new passport, file your application early because it may take some time to complete. Remember, some VISA applications require a lot of paperwork so start those early as well.
  5. Cancel any subscriptions you may have. Such as magazines, telephone, cable, internet, etc.
  6. Apply for an international driver’s license. Keep both your international and domestic licenses with you at all times.
  7. Make photocopies of all important documents, such as birth and marriage certificates, social security cards, etc.
  8. It may also be a good idea to get any important documents translated into the language of your new country of residence. It could make this whole process a lot easier and quicker.
  9. Handle your property before leaving. Your house, are you selling it or renting it? Your car. Anything else of significance you may own. Also, make arrangements for your vehicle at your destination. Are you shipping your car there, or do you need to rent or purchase a new one?
  10. Ask your bank about money transfers and banking abroad. Look into online international banking, it may be easier to make transfers and manage funds between countries.
  11. Take food items, or any other items for that matter that you enjoy but won’t have available to you in your new country. At times you may be homesick, and these items may help sooth your soul.
  12. It is very important to share the new address and your new contact information with your friends and family. Just in case of any emergencies.
  13. Set up your utilities ahead of time, so you won’t be without power or water upon your arrival. This goes the same for cell phone and internet access, in order to let your loved ones know that you have arrived safely and are settling in.
  14. Determine the tax rules of your new country, as each country has specific tax rules on foreign earned income. Also, there may be taxes on any shipped items that you have shipped to your new country.
  15. Insurance! Expats need International Health Insurance in order to have worldwide coverage. Instead of trying to figure out the insurance plan that is best for you and your family, find an insurance broker to do that for you. You have enough things to do as it is.
Print this checklist and carry it with you to use when packing and moving to your new country. Moving to a new country can be an amazing experience. For more information on what it’s like being an Expat, read our previous blog, 5 Reasons why it’s Great to be an Expat. If you are interested in more information about Expatriate Insurance, or are interested in purchasing Expat Insurance, contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you, your family or group!

Expat Checklist Before the Big Move

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