Sunset on Maldives island, water villas resortFirst things first, to know how something works, you must know what it is. So, what is trip cancellation insurance?

What is trip cancellation insurance?

Trip Cancellation Insurance is an insurance policy that protects your investment when it comes to a trip being cancelled, including yacht charters. It differs from Travel Insurance, which provides international medical insurance coverage for when you are traveling abroad, outside of your home country. According to ValuePenguin (Lending Tree), 48% of Americans cancelled their summer travel plans due to COVID-19. While we seem to be trending in a different direction a year later, one cannot ignore the reality that the travel industry may never truly be the same with tighter restrictions, and new rules and regulations making it more difficult to travel.

How does trip cancellation work?

Booking a nice vacation is often not a spur of the moment or spontaneous experience. Typically, trips are booked months in advance, with several scenarios that can happen in that given time to alter your plans, even forcing you to cancel. For example, if you booked yacht charter for $50,000 for your family 6 months in advance of the trip, chances are there are a few nonrefundable expenses you also had to book including airfare, hotel accommodations, activities, etc. One week before you are slated to leave, your wife becomes sick and is unable to travel, therefore forcing you to cancel your plans. Trip cancellation insurance would then reimburse you for the trip, allowing you to put that money back into your bank account or use it for another trip!

What is covered by trip cancellation insurance?

A good trip cancellation insurance plan should protect you from many issues that may come up causing you to cancel your plans. Examples of items typically covered by a good trip cancellation insurance policy include:

· Sickness, injury or death of insured, a family member, a travel companion, a business partner or a child caregiver

· Primary residence or destination being rendered uninhabitable

· Documented theft of passports/visas

· Involved in a merger, job loss or job relocation

· Documented traffic accident

· Unannounced strike

· Inclement weather that causes cessation of services provided by your common carrier

· Mechanical breakdown of the common carrier

· Evacuations due to natural disasters

· Emergency military duty for national disaster

· A terrorist incident

· Revoked military leave

· Bankruptcy or Default of Travel Provider*

· NOAA hurricane warning at destination

· Court order to appear as a witness

· Jury duty

· Quarantine

· Hijack

According to Bankrate, Americans spend an average of $1,979 per person on summer vacations. That amount does not really compare to what it costs to charter a yacht, as that can be tens, sometimes, hundreds of thousands of dollars. No one wants to lose that investment due to an unexpected event, which is why we say, plan for what is not on the itinerary.

Why Yacht Charters?

Given what is currently going on in the world, we are seeing that many people are looking to use yacht charters instead of cruises due to the social distancing implications and overall wellbeing concerns, and being able to limit who they come into contact with, as well as the destinations they are going. With certain locations opening and getting ready for tourists, such as the Bahamas, its clear to see why this is going to be an attractive alternative in the coming months.

Life is unpredictable and plans often change. One of the basic issues that insurance protects us against is the fact that life is unpredictable. So, while you may not be able to prevent a situation from happening, you can prevent an issue from becoming a worst-case scenario. For more information on the different types of coverage that trip cancellation insurance offers, contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Trip Cancellation Insurance is an insurance policy that protects your investment when it comes to a trip being cancelled, including yacht charters.

Large white yacht surrounded by jetskis and other fun watercraft in the middle of the ocean.What is yacht charter cancellation insurance?

Yacht charter cancellation insurance is similar to trip cancellation insurance as in it is an insurance policy that protects your investment when it comes to a trip being cancelled, however it is focused on a yacht charter rather than another extravagant vacation. It also differs from Travel Insurance, which provides international medical insurance coverage for when you are traveling abroad, outside of your home country.

What is covered by yacht charter cancellation insurance?

A good yacht charter cancellation insurance plan should protect you from many issues that may come up causing you to cancel your plans. Examples of items typically covered by a good charter cancellation insurance policy include:

· Sickness, injury or death of insured, a family member, a travel companion, a business partner or a child caregiver

· Primary residence or destination being rendered uninhabitable

· Documented theft of passports/visas

· Involved in a merger, job loss or job relocation

· Documented traffic accident

· Inclement weather that causes cessation of services provided by your common carrier

· Mechanical breakdown of the common carrier

· Evacuations due to natural disasters

· Emergency military duty for national disaster

· A terrorist incident

· NOAA hurricane warning at destination

· Court order to appear as a witness

· Jury duty

· Quarantine

· Hijack

According to CNBC, rates for private crewed yacht charters are generally thought to start around $10,000. Depending on the size of the yacht, the destinations, and other factors, that amount can increase tenfold. No one wants to lose that investment due to an unexpected event, which is why we say, plan for what is not on the itinerary.

Why focus on yacht charters and not other vacations?

Given what is currently going on in the world, we are seeing that many people are looking to use yacht charters instead of cruises. This is due to the social distancing implications and overall wellbeing concerns and being able to limit who they come into contact with, as well as the destinations they are going. With certain locations opening and getting ready for tourists, such as the Bahamas, it is clear to see why this is going to be an attractive alternative in the coming months.

Life is unpredictable and plans often change. One of the basic issues that insurance protects us against is the fact that life is unpredictable. So, while you may not be able to prevent a situation from happening, you can prevent an issue from becoming a worst-case scenario. For more information on the different types of coverage that trip cancellation insurance offers, contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Yacht charter cancellation insurance is similar to trip cancellation insurance as in it is an insurance policy that protects your investment when it comes to a trip being cancelled, however it is focused on a yacht charter rather than another extravagant vacation.

Airplane, Commercial Airplane, Air Vehicle, Mode of Transport, JourneyWhat is the best travel insurance for international travel?

Are you planning to go on a trip? Chances are you have a whole checklist to finish, including securing the proper coverage for you and/or your loved ones. The issue is, that question isn’t as easy to answer as it may seem. First, there are other questions you need to ask yourself.

Where are you traveling to?

Are you a US resident and traveling within the US? Then you do not need to worry about travel insurance because it is only for when you leave your home country. However, if you are traveling abroad, or if you are a resident of a foreign country traveling to the US, we are here to help!

How often are you traveling?

If you are planning a family vacation once or twice per year, you will be a great candidate for a traditional travel insurance plan. However, if you are taking frequent trips of short duration, it may be worth your while to invest in an annual multi-trip travel insurance plan. Basically, one plan that offers coverage for the whole year. Say goodbye to having to double check that you got your plan secured before every trip and hello to removing an item from your checklist!

What are you traveling for?

There are 2 types of travelers, business, and pleasure. What type of traveling are you doing? Are you going on a family vacation? Or are you on your way to a tradeshow for work? The reason it is important to know what type of traveling you are doing is because there are different options to be presented. Of course, there is always an opportunity to purchase a travel insurance policy, however it may save you money in the long run if your company is willing to purchase an annual multi-trip travel insurance plan to offer as a benefit for employees.

Having proper travel insurance can help to limit your distractions and help you to have an efficient and successful business trip. Maybe having an eased mind will allow you to enjoy some of the sites while you are there, or focus on closing that deal! If you have any questions about your travel insurance plan, are interested in an annual multi-trip plan, or are looking to purchase a travel insurance plan for your next business or leisure trip please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs. Safe travels!

Are you planning to go on a trip? Chances are you have a whole checklist to finish, including securing the proper coverage for you and/or your loved ones. The issue is, that question isn’t as easy to answer as it may seem. First, there are other questions you need to ask yourself.

Young happy couple and their insurance agent working on a computer during a meeting in the office.What is the difference between a broker and an agent?

The main difference between an insurance agent and an insurance broker is that agents represent insurance companies, and brokers represent customers. Knowing the difference can be extremely helpful when you are shopping for a new policy or in the market for new coverage.

Why do brokers have a stigma?

Insurance brokers are not evil, in fact they are quite helpful. It is a common misconception that brokers work for insurance companies, however that could not be further from the truth. As insurance brokers, we work for you, the people!

It is also incorrect that working through an insurance broker costs the client more money. In contrast, working with a broker can save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgement of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client.

What does a broker do that I cannot do myself?

First, they spend all day, every day dealing with insurance. They know the insurance industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Second, insurance brokers evaluate and research the marketplace on a regular basis. A reputable broker knows the dynamics of the insurance industry, what the headlines are, what is no longer relevant, and which carriers provide consistent service. Nothing is more frustrating than finding an insurance plan that fits your needs, only to realize at time of claim that the company does not deliver.

Finally, as stated before, a broker advocates and works on your behalf. When a situation arises where a helping hand is needed, you can turn to your broker for assistance, leaving you to continue to concentrate on your work.

How do you know if a broker is reputable?

Word of mouth is the best form of marketing for a business, as well as the best form of research for a customer. There is no better way to find something than by asking someone you trust who has experience with your issues or concerns. This is also the case when finding a good insurance broker. Generally, though, you want to look for a broker with experience and longevity in the health insurance business and one who certainly should be able to provide references. It is also important that the broker is specialized and experienced in the yacht crew area as it is quite different from the typical expat insurance market.

Having proper insurance is important. MHG is your specialized broker when it comes to marine specific insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Learn about the benefits of using an insurace broker, and why everyone needs to consider usig one.

Large luxury yachts moored in the port of a tourist Mediterranean city in sunset lightWhat is trip cancellation insurance?

Trip Cancellation Insurance is an insurance policy that protects your investment when it comes to a trip being cancelled, including yacht charters. It differs from Travel Insurance, which provides international medical insurance coverage for when you are traveling abroad, outside of your home country.

What is covered by trip cancellation insurance?

A good trip cancellation insurance plan should protect you from many issues that may come up causing you to cancel your plans. Examples of items typically covered by a good trip cancellation insurance policy include:

· Sickness, injury or death of insured, a family member, a travel companion, a business partner or a child caregiver

· Primary residence or destination being rendered uninhabitable

· Documented theft of passports/visas

· Involved in a merger, job loss or job relocation

· Documented traffic accident

· Unannounced strike

· Inclement weather that causes cessation of services provided by your common carrier

· Mechanical breakdown of the common carrier

· Evacuations due to natural disasters

· Emergency military duty for national disaster

· A terrorist incident

· Revoked military leave

· Bankruptcy or Default of Travel Provider*

· NOAA hurricane warning at destination

· Court order to appear as a witness

· Jury duty

· Quarantine

· Hijack

According to Bankrate, Americans spend an average of $1,979 per person on summer vacations. That amount does not really compare to what it costs t charter a yacht, as that can be tens, sometimes, hundreds of thousands of dollars. No one wants to lose that investment due to an unexpected event, which is why we say, plan for what is not on the itinerary.

Why Yacht Charters?

Given what is currently going on in the world, we are seeing that many people are looking to use yacht charters instead of cruises due to the social distancing implications and overall wellbeing concerns, and being able to limit who they come into contact with, as well as the destinations they are going. With certain locations opening and getting ready for tourists, such as the Bahamas, it’s clear to see why this is going to be an attractive alternative in the coming months.

Life is unpredictable and plans often change. One of the basic issues that insurance protects us against is the fact that life is unpredictable. So, while you may not be able to prevent a situation from happening, you can prevent an issue from becoming a worst-case scenario. For more information on the different types of coverage that trip cancellation insurance offers, contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Trip Cancellation Insurance is an insurance policy that protects your investment when it comes to a trip being cancelled, including yacht charters.

Buying Insurance 101

Young couple shaking hands with a female agentBuying insurance, no matter what type, can be an intimidating and daunting task. For one, there is a ton of tricky lingo, a plethora of different coverages amounts and types, and of course the cost. Unless you are someone who works in the insurance industry, chances are insurance lingo can sometimes sound like a different language, and confusing protocol leaving you wondering what to do next.

However, it doesn’t have to be this way! Follow these 5 easy steps when making any insurance purchasing decision to help ease your mind and make the process as smooth and simple as possible.

What am I trying to protect?

When buying insurance, the first thing you need to ask yourself is “What am I trying to protect?” Are you trying to protect your business? Your health? Your kids? Your assets?

Once you have the answer to that question it will narrow down what you should be looking for. For insurance, If you wanted to protect your business, you would want to consider a General Liability policy, or Marine General Liability depending on the business. Protecting your kids? Look into life insurance.

What is my budget?

Once you know what type of insurance product you are in the market for, next you need to figure out your budget. After all, you don’t want to lapse your policy because you can’t afford it down the line if things become tight down the road, so be smart. Depending on your situation and what you are trying to insure, sit down and figure out what you can realistically afford, and what level of priority is the type of insurance you need.

Who do I know?

One thing that can make the decision easier is to figure out if you know anyone that currently has what are looking to get. If you do, ask them about it. What are the pros and cons? Is there anything they would do differently? Is there anything you need to look out for?

What don’t I know?

As with anything you buy, you should always do your own research. Figure out what products are out there, what pitfalls there are, and anything else that will help you get the best out of what you are buying.

Seek out a reputable broker!

Insurance Brokers often get a bad reputation but using a broker can help you avoid situations like this. For one, the majority of brokers are well-versed with the ins and outs of the insurance industry and can help you avoid a negative trend that you may otherwise know nothing about. Not to mention, brokers work for you! Brokers typically operate at no extra cost to you as it would be if you went straight to the insurance company to get your plan. If you would like to learn more details of using an insurance broker, read our previous blog, “Why You Should Use an Insurance Broker”.

Having proper insurance is important whether you are looking to protect your business, your loved ones, or yourself! Our insurance specialists have the knowledge and experience to find the type of insurance you are in search of, and policy that works best for you and your budget. If you are interested in purchasing, or have any questions about marine crew insurance, life & health insurance, travel insurance, expatriate insurance, property & casualty insurance, or ocean marine insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Follow these 5 easy steps when making any insurance purchasing decision to help ease your mind and make the process as smooth and simple as possible.

Shot of a couple looking stressed out while working on their finances at homeThe promise of an amazing benefit is great, but what happens when you try to use that benefit and experience resistance? That seems to be happening more and more when it comes to low-cost insurance plans. When buying insurance, a person is buying an intangible promise. With that mindset, one can see why low-cost insurance is rarely ever low-cost.

Can’t Have Good, Quick, and Cheap

Ever hear the saying you can’t have your cake and eat it to? Typically, with anything in life, you get what you pay for. Consumers are constantly trying to save money any way they can on products or services they buy. However, depending on the product or service, a good “deal” can quickly turn into an absolute nightmare. Low-cost insurance plans are no different. Consumers can expect to receive delayed quotes, slow service, claims issues, and that’s just the tip of the iceberg.

You’ll Pay for It Later

Saving money on premium doesn’t always mean that you’re saving money overall! Many times, those who opt for cheaper insurance end up paying more in the long run because of a lack of coverage that was unknown to them when trying to use their insurance, or even worse, no coverage at all. Imagine being involved in an emergency situation that ends up with you being in the hospital, the last thing you want to be worrying about in that moment is being stuck with the entire hospital bill which could end up being tens of thousands of dollars.

Possibility of No Service

One trend that has popped up as of late are insurance companies offering cheap plans to grow their business. However, businesses can’t afford to continue to operate on low margins, so the customers are the ones who end up suffering. Having a plan with great benefits, but no service when actually trying to use it results in disappointment for the consumer.

Consumers vs. Insurance Companies

Insurance companies are usually very large, so going toe to toe with one is no easy task if you have a dispute with the plan that you have purchased. Even if the consumer is completely in the right about a particular claim or situation, the costs and time involved can be substantial. It is for this reason that you really need to do your research and choose the best plan for your needs, not just the cheapest.

Use a Broker!

Insurance Brokers often get a bad reputation but using a broker can help you avoid situations like this. For one, the majority of brokers are well-versed with the ins and outs of the insurance industry and can help you avoid a negative trend that you may otherwise know nothing about. Not to mention, brokers work for you! Brokers typically operate at no extra cost to you as it would be if you went straight to the insurance company to get your plan. If you would like to learn more details of using an insurance broker, read our previous blog, “Why You Should Use an Insurance Broker”.

Having proper insurance is important in every aspect of life. Whether you are at sea needing international coverage, looking for proper life insurance coverage, going on a vacation, etc. MHG is your specialized broker. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about marine crew insurance, travel insurance, U.S. life and health, expatriate insurance, or property and casualty, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

When buying insurance, a person is buying an intangible promise. With that mindset, one can see why low-cost insurance is rarely ever low-cost.

successful indian businesswoman using laptop computer at airportLet’s face it, traveling for business can be stressful. From packing and putting the final touches on your presentation, to worrying if you’ll make your meeting on time, there is a list a mile long of different scenarios, to-dos, and unexpected events that are sure to raise anyone’s blood pressure! Travelling internationally can add an additional layer of stress as well! With so many things on your mind, the last thing you need to worry about is uncertain travel details and what-ifs. Having a proper travel insurance plan can help ease that stress and let you focus on having a successful meeting.

The Unknown

People traveling abroad for business should have a good travel insurance plan for many reasons, especially for, the unknown. Emergencies can happen anywhere, anytime, and most of the time there is no way to prepare for them, especially when you’re out of the country. Suppose you get into an accident and need emergency medical attention? Maybe second nature made you drive on the wrong side of the road, not being used to the driving laws of another country.

There are many other scenarios that can happen requiring emergency medical attention. Obviously, this is just one reason to get travel insurance no matter if you are traveling for business or leisure. Another unknown factor that you cannot prepare for, yet is very common when traveling abroad, is food poisoning. Food poisoning, unclean water, parasites, and changes in diet make gastrointestinal issues one of the most common medical threats that travelers face. Without travel insurance in place, expenses for treatment can be costly.

Trip Cancellation

It could be a waste of money if you don’t have travel insurance with trip cancellation coverage. For those that think it doesn’t happen, what if there was an unexpected storm that cancelled your flight? There are a plethora of reasons that a trip can be cancelled, and not many reasons why you shouldn’t have coverage for it, even for business trips.

24 Hour Assistance

Being in a foreign country can bring a lot of questions. Not knowing where to go, who to talk to, how to talk to them, etc. Having a 24/7 assistance line can give you a peace of mind, once again letting you focus on your work, which is the most important part of a business trip. Also, many times when people travel for business, they are traveling alone. Knowing that you have someone to back you up and be there for you when in a foreign place can make things much easier on your mind as well.

Having proper travel insurance can help to limit your distractions and help you to have an efficient and successful business trip. Maybe having an eased mind will allow you to enjoy some of the sites while you are there! If you have any questions about your travel insurance plan, or are interested in purchasing a travel insurance plan for your next business or leisure trip please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs. Safe travels!

Having a proper travel insurance plan can help ease that stress and let you focus on having a successful meeting. Read more!

window of an airplane overlooking cloudsThe “fasten your seatbelt” light has just lit up! You are now on your way to your destination. Isn’t it exciting traveling to different places? I’m sure it would be even more exciting if long flights didn’t take such a toll on you, mentally and physically. Long international flights can almost make it hard to enjoy your trip, with all the time being seated, and the long customs lines you must go through.

With all the things everyone dreads about international flights, it is all worth it when you get to experience new cultures and traditions, see sights you could never imagine, or relax on a beach for your vacation. Since long flights get a bad rep, use these 5 tips to help survive your next flight, and get you to your enjoyment with more peace of mind!

Request a Special Meal

It used to be customary for you to receive a free meal on all flights, domestic and international. Now you are lucky if you get a bag of peanuts. However, there are still many foreign airlines that may serve you a meal during an international flight. Look up airlines that still have this feature, or try requesting a special meal when you are booking. Having a substantial meal instead of snacking can give you energy and keep you from feeling drained.

Set Your Time

One of the harder things to get accustomed to when traveling internationally is the local time. Your body typically runs on its own clock. So if you are traveling somewhere that is 5 hours ahead, you could be in for a rough transition. Set the time of your destination when boarding the flight. This will give you better judgement of how much time you will have left in the day upon arrival, and also allow you to use the flight to adjust if needed.

Bring a Survival Kit

Don’t you hate sitting next to a screaming baby for 20 hours? One way to help prepare is by bringing a survival kit to help you get the rest you need, and keep you in the best mood possible. Pack ear plugs, an eye mask, snacks, toiletries, etc. It is also a good idea to freshen up halfway through the flight to give you your second wind. This will also give you an excuse to get up and move around.

Don’t Forget the Entertainment

A long international flight can sometimes feel like a lifetime, and if you don’t have things to keep you busy, it will feel like an eternity. Pack an iPod, iPad, tablet, laptop, etc. to keep your mind busy. You can also bring a book(s), word puzzles, Sudoku, and other items as well.

Take Care of Your Body

Did you know that flying can dehydrate you? Stay hydrated, and bring water to drink regularly throughout the flight. Also, try to get up and stretch regularly to keep your blood flowing and keep from getting stiff.

We wish you safe travels along your journey. If you are interested in purchasing 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.

Since long flights get a bad rep, use these 5 tips to help survive your next flight, and get you to your enjoyment with more peace of mind!

Plane lands at an airfield at the sunsetDid you know that taking at least one trip a year, reduces your risk of heart disease by 30%? With a statistic like that, how can you not already have your bags packed?! Before you rush out to book your next trip, be sure to use our checklist below when making any decisions about travel insurance, as well as traveling abroad. Traveling abroad can create some of life’s greatest experiences. Seeing other countries, cultures, and people can create memories that can be shared for a lifetime. In order to ensure that those memories are happy ones, travel insurance should be on the top of your list before you book that flight.

Having an emergency while you’re abroad can be a scary experience for many reasons. You are far from home, in a country that you do not know much about, and may not know where to go in the event of an emergency. Maybe you don’t speak the language which could make it impossible to try and get assistance from a local. You don’t have the family/ friend support that you do at home. Travel Insurance should provide you with the proper coverage to protect from an array of unplanned events that can really ruin a trip.

Travel Insurance Checklist

A good travel insurance policy should include the following:

· Maximum plan limit of at least $1,000,000.

· Provide coverage in most countries around the world.

· Provide coverage for accidents, illness and the acute onset of a pre-existing condition.

· Emergency air/ground transportation to the nearest qualified hospital.

· 24-hour worldwide emergency assistance.

· Pre-trip health and safety advisories on your destination such as required vaccinations, health risks and travel restrictions, medical monitoring, provider referrals for Western-style medical facilities, medical and dental practices and pharmacies. Other useful services include travel document replacement, lost luggage assistance, emergency travel arrangements and translation services.

· Simple online enrollment.

· Easy claim submission.

Travel Insurance benefits can vary based on policy or company, so it’s best to review a few different options from a reputable company to see which plan is best for you. Also, using an Insurance Broker can provide with you benefits that you may truly value. An insurance broker will typically work for you, the client, and offer you advice and assistant to getting the best l plan possible according to your budget. One reason they may be able to get you better coverage is because they represent several companies as opposed to just one. So their best interest is in the customer rather than the company. They can also assist you in with any claims you make and work on your behalf.

What should I Bring?

Once you purchase your travel insurance, you can begin fully to enjoying yourself and look forward to your adventure without having to worry about the unknown. Packing is very important, , be sure to include the following to make it as hassle free as possible:

1. Travel insurance card

2. Passport and visa

· Make sure the expiration date is not during your trip, also bring a copy of your passport for back up purposes

3. Flight itinerary

4. Immunization documents

5. A Full list of all accommodations

· Including addresses and phone numbers from all the locations you will be staying. Also be sure to include this information with a friend or family member who will be staying home.

7. Contact information for your country’s embassy or consulate in your destination

8. Emergency contacts

· It is smart to keep in touch with loved ones during your trip, checking in every so often.

9. Money

· Never have all of your cash in one place. Cash, cards, checks, passport, if you include them all in your day bag, and it happens to be misplaced or stolen, you may be stranded.

10. Map of where you will be going, along with a translation dictionary.

Once you have completed these checklists, you can officially kick back and enjoy your time. Don’t forget to take lots of pictures!

MHG Insurance Brokers wishes you safe travels along your journey. If you are interested in purchasing 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 are experienced and can assist you in selecting the right plan for you, with the best value.

Traveling abroad can create some of life’s greatest experiences. Seeing other countries, cultures, and people can create memories that can be shared for a lifetime.