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

Travel Abroad Insurance

Passports and tickets, check! Money and camera, check!  Suntan lotion, check! Travel insurance… hmm. 

 

Summer is nearly upon us and that means it is time to finalize your summer travel plans. Whether you are jetting down to the Caribbean for a little R & R, cruising the Mediterranean or conquering the Great Wall it is important to be prepared for your trip and all emergencies that could pop up. What would you do if you or a family member got a bad case of food poisoning or worse yet, were involved in a bad car accident? 

Traveling abroad can be an exciting experience; however, a medical emergency can arise at any time and the lack of appropriate insurance could expose you to serious financial liability.  The good news is that travel insurance is very affordable and easy to apply for! As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad.  

Most traditional medical plans are not designed for international travel or can be difficult to use while outside your home country. With a travel insurance plan from one of our designated carriers, you and your family will have peace of mind knowing that you are prepared for your trip.

MHG offers the Atlas Travel Series, a short-term health insurance plan administered by HCC Medical Insurance Services, which provides coverage outside your home country from five days to one year. The plan includes coverage for emergency air/ground transportation to the nearest qualified hospital, hospital room and board and acute onset of a pre-existing condition among other benefits. Choose from a deductible ranging from $0 to $2,500 and maximum limits from $50,000 to $1,000,000.  

Do you know the current passport, visa, inoculation and vaccine requirements as well as travel safety advisories for the countries they will be traveling in? HCCMIS does!  

Are you planning to do some adventurous sporting activities while on vacation? Cover for most sports are automatically included! And it is no problem if you’re leaving right away, enrollment in the Atlas Travel plan is available online and same day coverage is available. 

Looking for a plan with higher coverage limits but that is still within your budget? MHG Insurance Brokers offers Patriot Platinum Travel Medical Insurance, administered by International Medical Group (IMG), provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. Deductibles range from $0 to $25,000 and maximum limits from $1,000,000 to $8,000,000. Coverage is available for a minimum of 10 days up to three years and in addition to emergency air/ground transportation to the nearest qualified hospital and hospital room and board and many other benefits.

Patriot Platinum also includes exclusive access to IMG’s Global Concierge, a dedicated service team for providing a variety of assistance services. Patriot Platinum has an optional adventure sports rider available for all you adventurous travelers out there. Enrollment in the plan is available online and next day coverage is available. 

Before you and your loved ones head out for summer vacation, make sure you’re covered for those sudden and unexpected accidents and illnesses that could arise. 

At MHG Insurance Brokers, we are here to advise what insurance coverage is available to you no matter if you’re traveling to Paris or Phuket this summer. Whether you are looking for travel insurance, health insurance, disability income, life insurance, commercial insurance, the experts at MHG are dedicated to providing you with the advice you need in order to choose the best individual or group plan for your employees. Contact us today at 877-278-7400 to learn more or apply online.

Travel Abroad Insurance

Gear Up

Join MHG Insurance Brokers and the Marine Industry Cares Foundation as they ‘gear up’ for their 4th annual Spin-A-Thon on Friday, April 20th at Esplanade Park in Downtown Fort Lauderdale!   

 

Proceeds raised benefit Kids in Distress (KID), a leading force in the prevention of child abuse and neglect and Children’s Diagnostic & Treatment Center which promotes health and well-being of children and youth with special healthcare needs. 

The Spin-A-Thon is a fun endurance challenge and a great team-building. Take part in the action by organizing or joining a Spin-Bike Team.  Team registration is $300 to secure your spot. Upon registration, each participating company or group will assemble their own team of enthusiastic cyclists. The individual team members then are challenged to seek additional support and donations to help our charitable beneficiaries. 

Teams must keep their bikes moving for 360 minutes and are welcome to have as many riders as they wish during the event. The fun begins on Friday, April 20th at noon with registration. The spinning event will take place, rain or shine at the Esplanade Park in Downtown Fort Lauderdale from 1-7pm. We will finish the night with a networking and thank you party from 5-9pm.  

If you can ride a stationary bicycle then you can spin with us!  Marine Industry Cares Foundation is also looking for enthusiastic volunteers who are looking for a way to give back to their community while having fun.

MHG is one of the founding companies of Marine Industry Cares Foundation and is excited to see how the Spin-A-Thon has grown over the past four years.  The Spin-A-Thon started in 2009 and raised $30,000 for Kids in Distress.  The next year they doubled their donation as the 2010 Spin-A-Thon raised $60,000 for Kids in Distress.  The 2011 Spin-A-Thon raised over $100,000 for Kids in Distress. This year we have 50 individuals registered so far and over 50 teams! Team Insurance Peddlers have raised $2,150 to date, 125% of their goal of $2,000!  

It is not too late to start your own team, join a team or sponsor a rider and help make this Spin-A-Thon, the best one yet. The Marine Industry Cares Foundation is a non-profit organization that raises money and awareness for local charities. They aim to provide a brighter future for children and families in need by uniting the generous efforts of the marine industry community. 

The MICF also serves as a model for shipping industries in other cities to use and implement where they live—bringing the maritime and local communities together in cities around the world. So "gear up", invite your friends, family or co-workers and join the ride to give kids in your community a brighter and healthier future! MHG Insurance Brokers is proud to be a part of this wonderful and meaningful event. MHG is the specializes in health insurance plans designed specifically to meet the needs of marine officers, crew and contractors, expatriates, and US residents.  Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget.  

Gear Up

At MHG Insurance Brokers we specialize in insurance plans designed specifically to meet the needs of marine employers, shipboard officers and crew, and contractors and concessionaires.  Because of the unique needs of individuals and groups at sea, choosing an insurance broker that understands the lifestyle and work environment is essential. 

 

Services offered by MHG can be tailored according to each employer’s needs with the secure knowledge that they are marine specific and supported by a team experienced in the marine environment. With our extensive market relationships and experience in the industry, we offer sound, independent advice as to which insurance and financial services providers and products are best suited to address the needs of individuals and employers. 

Marine insurance solutions include private international health insurance, vacation health insurance, disability income, life insurance, short-term health insurance and retirement savings plans. Here is more information on the plans we offer. 

MHG provides private international health insurance to all nationalities. Our extensive market relationships permit the design of international group medical plans that are tailored to each employer's specific philosophy and compensation needs. MHG also offers various benefit packages that can be combined for groups located in the US. 

MHG offers short-term health insurance for contractors and concessionaires which provides coverage for emergency medical treatment, emergency medical evacuation, should the local facilities be inadequate and a number of other benefits. For groups requiring coverage for employees while on vacation, we can customize a plan to fit your needs. 

Disability Income is an effective risk management tool for employers that not only enhances the value of compensation packages for employees but also provides peace of mind.  It can provide protection against loss of income in the event an employee becomes temporarily or permanently disabled while at work or on vacation. Coverage is available to groups of five or more and can be customized to fit your budget and benefit needs. With worldwide coverage for disability due to accident or sickness, these plans also allow you to select a waiting period and benefit amount while typically not requiring underwriting. 

Let MHG Insurance Brokers provide you and your employees with peace of mind.  Group life insurance offers employees comfort knowing that in the event of their death their loved ones will receive financial support for ongoing expenses, funeral arrangements or children's education. For employers, group life insurance is a cost-efficient benefit because it is highly valued by employees.

MHG's investment team is able to provide cost effective, flexible benefit retirement savings plans which will help recruit, retain and motivate staff while providing the employer with maximum value for each dollar spent. As your specialist plan manager, MHG's role would normally involve consultancy, plan design, independent brokerage, investment planning and communication, installation and administration of the plan. We also provide consultancy and plan management services for employers with existing plans. 

With over 20 years of experience focused on the welfare of crew, MHG has the knowledge to advise the cruise industry about its insurance needs.  Please contact us today at +1 954 828 1819 for more information on any of the services we provide. 

If you are attending Cruise Shipping Miami March 13th-15th at the Miami Beach Convention Center, please feel free to stop by our booth #1893 located in the Ship Services and Hotel Operations section. Join us for a glass of wine during our reception on Wednesday, March 14th from 2pm-5pm.  If you still need tickets for Cruise Shipping Miami, avoid the $100 fee and register as our guest for complimentary tickets to the Exhibition Hall.

MHG – The Cruise Industry’s Insurance Specialists

Traveling, these days, for students and youngsters is becoming as easy as a hop, skip and a jump. Multiple online travel websites, international classes and Groupon deals are popping up everywhere making white water rafting in South France sound as affordable as a trip to the beach for Spring Break.

 

According to the United Nations Educational, Scientific and Cultural Organization, about 7 million students will finish their degrees in another country by 2020. So I do not even want to know how many are going to Cancun this year for Spring Break. 

Regardless, student travel and temporary living overseas is becoming extremely common these days. Therefore, the old “week long backpacking-trip in Europe” is becoming more of the “see you in a few months Mom and Dad…”

Whether it is for a week or a few months, before sending your kids off overseas this upcoming year, make sure you are covering them from all corners. MHG Insurance Brokers offers multiple Single and Multi-trip Insurance options that might be necessary when sending a student abroad this year. This kind of insurance benefits individuals traveling outside their Home country from 5 days to a maximum of one year. 

Multiple options for Travel Medical Insurance might be necessary for those long vacations as well as in case absolutely anything happening. Options for travel medical insurance can include temporary medical insurance while traveling anywhere outside their home country. These independent ventures for students are going to be one of the most incredible experiences of their lives. But it may also be one of the most stressful for the parents. You might not be able to watch them as closely as before but you can insure them with something for a safe, smart trip abroad and a peace of mind.

MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for crew insurance, individual health insurance plans, family health insurance plans or group health insurance plans, the experts at MHG have the resources to help you choose the ideal policy for your unique requirements. Contact us today to learn more.

Is Your Child Ready to Go Abroad? Need More Assurance? Get Insurance

You need to plan for everything, not just the fun portion of your vacation. For many, the idea of a cruise may be the ultimate in luxury. Like any trip though, things can go wrong, so travel insurance is a sensible precaution. 

 

When you travel abroad, you are unlikely to be entitled to the same medical coverage as in the United States. Even with a European Health Insurance Card, you will typically only be entitled to the same care as the locals receive. If your cruise takes you outside of the EU, you may have to prove that you can pay for required medical treatment in advance of receiving it.  

One of the main benefits of cruise insurance and travel insurance in general, is that it can often provide you coverage for emergency medical expenses which may include transfers to hospital and even repatriation, if so advised by the medical staff. You may also appreciate travel insurance that can provide financial help if: 

• you lose your travelers checks or money you had on hand for your trip

• your baggage is lost or stolen

• you have to cancel or cut short your cruise because of the death or illness of a family member

• compensation for travel delays or missed connections

• circumstances happen just before you are due to set off on your cruise and decide that, in the circumstances, canceling you cruise is the only option. 

It may make sense to check the small print to ensure that you understand what your cover includes, as not all will offer the same policy features and benefits. Knowing that you have taken all the precautions you can to ensure the success of your cruise by taking out travel insurance may mean that you can concentrate on looking forward to, rather than worrying about, your upcoming trip. 

MHG Insurance Brokers employs passionate and knowledgeable insurance experts who provide sound advice on the most appropriate health insurance plan for individuals and families according to their unique financial situation. LetMHG Insurance Brokers help you find the best individual or group health insurance policy for you, your family and/or your business. Contact us today to find out more about group and individual health insurance.

Before You Set Sail On Your Cruise...

Getting vaccinated may be the last thing on your mind when heading off on vacation, but it’s important — whether you are traveling to an exotic destination or not. The Centers for Disease Control and Prevention issued a health advisory recently, pointing out that the United States is currently experiencing the highest number of  measles cases in over 15 years, many of which were acquired overseas. 

 

As of June, 156 confirmed cases of measles had been reported to the center this year; 136 of them involved unvaccinated Americans who had recently traveled abroad, unvaccinated visitors to the United States and people who didn’t travel but may have caught the disease from those who did. The advisory, which encourages travelers planning trips abroad to make sure they have had the M.M.R. (measles, mumps and rubella) vaccine before they leave, illustrates that it isn’t just far-flung places that are a source of concern — outbreaks are occurring in places like France, Britain, Spain and Switzerland. 

Those who run travel clinics are very used to seeing people going to developing countries or tropical countries getting the relevant shots. But nobody thinks about it when they go to Europe. The thinking is similar for other popular destinations, including Mexico and parts of Central America. There’s not a perception that you need to go and get a bunch of shots if you’re going to Cancun. But in fact, you should consider being vaccinated for certain food- and water-borne diseases like Hepatitis A— one of the most common vaccine-preventable infections acquired during travel — which is prevalent in Mexico and other destinations in Latin America. International travel was the most frequently identified risk factor for hepatitis A among United States cases for which exposure information was collected, according to the Centers for Disease Control and Prevention. As in previous years, most of those travel-related cases (85 percent) were associated with travel to Mexico, Central America or South America. 

Though many people recover from hepatitis A within a few weeks, in some cases the symptoms — fatigue, nausea, diarrhea and jaundice can last two months or longer. As a general rule, travelers should be up to date on routine immunizations no matter where they are going and what they are doing.  As for measles, the highly contagious disease has always been a risk for travelers in the developing world, experts say. But the increase in cases in the United States and large outbreaks occurring in Europe are recent issues, stemming in part from fears of parents who refuse to vaccinate their children because they believe immunizations cause illnesses, particularly autism, even though studies have found no reputable evidence to support such a claim. 

Before any international travel, infants 6 months through 11 months of age should have at least one dose of measles vaccines, according to the Centers for Disease Control and Prevention. Children 12 months or older should have two doses separated by at least 28 days — whether traveling or not. And adults should review their vaccination records to ensure they’re up to date. But be sure to consult a travel medicine expert, ideally four to six weeks before your trip, for a complete assessment. 

A good doctor who specializes in travel medicine will go through your entire itinerary carefully, and consider everything from the regions you will be visiting , your travel style, and the time of year, which can influence exposure to mosquitoes, to determine if the recommended vaccines or prevention measures are really necessary for your vacation. Many countries require an “international certificate of vaccination or prophylaxis” signed by a medical provider for the yellow fever vaccine from travelers coming from an infected area. To be sure, travel vaccines aren’t cheap. But as long as you aren’t paying for unnecessary immunizations, the shots are worth it. 

Bottom line, vaccines are  just as important as your insurance policy. MHG Insurance Brokers employs passionate and knowledgeable insurance experts who provide sound advice on the most appropriate health insurance plan for individuals and families according to their unique financial situation. Let MHG Insurance Brokers help you find the best individual or group health insurance policy for you, your family and/or your business. Contact us today to find out more about group and individual health insurance.

Planning a Vacation? Be Sure To Plan Your Vaccinations Along With Travel Insurance