The weather is nice, the kids are home for summer, are you ready for a vacation? It is safe to say that many of us would have the same answer to that question. YES! Even though most cruise line crew members have been home, as cruising has been at a standstill, we know how hard this year has been for everyone mentally and physically. Rest and relaxation are crucial, with a tumultuous year seemingly more and more in our rear view, and summer front and center, it may be time to start planning a getaway. While we are not out of the woods completely in terms of the pandemic, there is no denying that the world is itching to get “back to normal”. However, there are some important steps you need to consider when you decide it is time to get away.
As we have all witnessed, having proper medical coverage is more important now, than ever before. There are still some unknowns regarding travel, and who knows about potential hotspots. Having necessary preparations in place can make the difference between a stressful or stress-free time away. No one wants their summer vacation ruined, especially with it being the first one in a while. Which is why we decided to put together a checklist for you and your family to make sure you are “insurance ready” for your next holiday or vacation!
Plan now so you do not have to worry about it later. We realize the last thing you want to think about when planning a fun and exciting trip is insurance but being “insurance prepared” can help ensure a stress-free enjoyable time. When planning, ask yourself these questions:
- If you get sick or injured, are you covered in the country you are traveling to by an existing insurance policy?
- Are you required to have proof of medical coverage in the country you are traveling?
- If you do have proper insurance, does it have ample coverage to protect you and your family in case of an emergency?
In addition to insurance related preparations, there are some medical housekeeping preparations you should consider as well:
- Do you have enough of your medication for the time you will be away?
- If you lost or forgot your medication, do you have a list of the meds you take and can you obtain them in the country you are visiting?
- Do you know who to contact in the event of an emergency?
Things to Consider
When thinking about medical coverage, there are some things you should consider, depending on what your trip has in store. For example, does the medical plan include the following:
· Will there be coverage for the unexpected illness or injury that occurs while you are traveling to your destination?
· Is there evacuation cover in case of serious injury?
· Does your policy have restrictions on activities considered to be “Extreme” sports?
· Does your plan have a mobile app, and have you uploaded it to your phone?
· Is telemedicine covered? (i.e., telehealth or Dr. on demand)
Obviously, there is no way to totally plan for the unexpected, however that is why you plan ahead. As different policies offer different benefits, you may wish to check your policy wording for any specific exclusions. It is recommended that you always travel with your ID card, a list of emergency contacts, and have access to your insurance policy. Be sure to stay tuned to our website for future blogs and articles explaining what to do in case you need to use the coverage, and how to properly navigate your way through the claims process.
MHG Insurance offers different insurance solutions for many areas of business. Our experience and role in the cruise industry is something that we hold in high regard. Our vacation medical plans for officers and crew are tailor made to fit your specific lifestyle. If you have any questions regarding your existing plan, or are interested in purchasing individual marine crew insurance, contact us at mhginsurance.com or call us at +1 954 828 1819 or +44 (0) 1624 678668. Our insurance specialists have the knowledge and experience to assist and guide you to the best coverage for your budget.