Insurance can be complicated, and Yacht Crew Health coverage is no exception. While it's one of the most important benefits offered onboard, it's also one of the most misunderstood. From comparing policy limits to navigating claims, there are plenty of areas where confusion can creep in. At MHG Insurance, our goal is to help educate the industry on Yacht Crew Health insurance so you can feel confident in your decisions and ensure you're properly covered.

This blog addresses the five most common misconceptions we hear about Crew Health group policies. Whether you're a captain, yacht manager, crew member, or owner, understanding how these plans work can help you avoid unexpected issues and make smarter choices for your vessel and team.

MISCONCEPTION 1 - Insurers Want to Deny Your Claim

It's a common misconception that insurance companies are out to avoid paying claims. The truth is, most denied claims aren't due to bad faith or hidden loopholes; they're the result of simple misunderstandings, incomplete documentation, or claims that fall outside the scope of the policy. It's important to remember that having insurance doesn't mean every medical expense is covered, and it's crucial to understand your policy's exclusions and limitations. Let's take a look at some of the most common exclusions in Yacht Crew Health insurance plans, which can include:

● Wellness visits for annual checkups

● Pre-existing conditions

● Certain geographic restrictions (e.g., differences in coverage for the U.S./Canada vs. the rest of the world)

● High-risk winter and water sports

● Alcohol-related injuries

● Self-inflicted injuries

● Cosmetic procedures, birth control, and vasectomies

● Among others

No matter which insurer you choose, they're all held to the terms in the policy wording. That's why it's important to know what your plan actually includes and what it doesn't.

Common Reasons for Denied Claims

Even when a medical service or benefit is payable by the policy, your claim can be denied if key steps are missed. Many denials come down to timing, missing documentation, or using a provider outside of your plan's network. Some of the notable reasons can include:

● Missed deadlines: Many insurers require claims to be submitted within 90-180 days of treatment. Filing late can lead to a denial.

● Incomplete or missing paperwork: Always keep copies of medical records, invoices, and receipts to ensure smooth processing.

● Out-of-Network Treatment: Some policies require treatment within a specific provider network, especially in the U.S. Using an out-of-network provider can result in higher out-of-pocket costs or claim denial.

How to Prevent Claims Issues

The good news? Many claim issues can be avoided with a bit of preparation. As a general rule of thumb, follow these steps to ensure a positive claims experience. If you have any problems or believe your claim was wrongly denied, reach out to our team for assistance. That's what we're here for!

● Read your policy carefully and try to get a good understanding of what is covered and what is not.

● If you’re not sure about something, ask questions before seeking treatment.

● Keep copies of all your documentation relating to your claim, including medical records and doctor's notes, invoices, and receipts.

● Submit the claim promptly.

● Check on the status of your claim if you haven’t heard from the insurance company within 30 days.

MISCONCEPTION 2 - Two Policies With a $1 Million Limit Have the Same Cover

Not necessarily. While two Crew Health policies may have a $1 million limit, it doesn't mean they offer the same level of protection. The true value of the policy lies in the details, and it's important to look at the benefits and exclusions, and plan structure for a true comparison. To make a true apples-to-apples comparison, you need to dig deeper:

● How does the type of coverage compare? Is it emergency-only, or does it also cover chronic conditions, wear-and-tear injuries (e.g., back discs, knee joints), and preventative care? Does it include home country treatment, wellness checkups, dental, or vision care?

● Review the exclusions. Some plans have stricter exclusions, which can include alcohol-related injuries, high-risk winter and water sports, maternity and newborn, mental health and nervous conditions, etc.

● How is the plan structured? Is it a named plan or an unnamed plan? A named plan lists specific crew members covered, while an unnamed plan allows flexibility to cover different crew as needed. The choice can impact awareness and accessibility to coverage when they need it.

● Are there geographical restrictions? Some plans can exclude coverage in certain regions or limit access in high-cost areas such as the U.S. and Canada.

Just remember, a $1 million limit might look the same on paper, but the coverage behind it can be vastly different. Always compare the fine print, understand the exclusions, evaluate the overall scope of benefits before assuming two policies offer equal protection, and, most important of all, ask questions!

MISCONCEPTION 3 - Claims Will Automatically Increase the Premium at Renewal on Group Plans

This is a common concern among yacht owners and captains, but it's not entirely accurate. While claims history does impact premiums, Crew Health policies are meant to be used to keep crew fit and healthy, and usage won't automatically lead to a massive rate hike at renewal.

So, how are premiums calculated at renewal?

● Premiums are based on the overall risk pool – most Crew Health policies cover hundreds of yachts, not just one vessel. A single yacht's claims history has limited impact on overall pricing.

● Small claims won’t dramatically affect premiums – routine doctor visits, minor injuries, or basic medical care typically have little to no effect on renewal pricing.

● Large or frequent high-cost claims can contribute to increases. If there are multiple significant medical claims, such as cancer treatments, emergency medical evacuations, major surgeries, or chronic condition treatments, it could lead to a rate adjustment across the risk pool.

● Global healthcare inflation plays a major role – rising medical costs, particularly in high-expense regions like the U.S. and Canada, can drive up premiums for everyone, regardless of individual claims.

● Policy structure changes also impact pricing – adjustments to coverage, deductibles, or geographical restrictions can influence renewal costs.

Interesting Insight:

In 2024, the Crew Health insurance plans we offer experienced an average premium increase of just 7%. That's a reassuring reminder that allowing crew to use their health insurance for legitimate medical needs doesn't automatically drive up costs. In fact, encouraging proper use of coverage helps keep the crew healthy, fit for duty, and ready to support smooth yacht operations.

The key to managing long-term costs isn't avoiding claims; it's choosing a well-structured plan with the right balance of coverage, deductibles, and network access. A smart policy keeps both your crew and your budget in good shape.

MISCONCEPTION 4 - Crew are Only Eligible to Join the Boat's Crew Health Policy After 30 Days of Being Onboard

The reality is that crew can be added to a Crew Health policy as early as day 1; there's no mandatory waiting period. This misconception often comes from comparisons to traditional shoreside jobs, where benefits typically begin after a probationary period.

In some cases, captains may delay enrollment to see if a crew member is a good fit, or use insurance as a performance-based reward. But here's the truth: accidents and illnesses don't wait 30 days. A crew member could fall ill or get injured within their first week onboard, and without immediate coverage, both the crew and the vessel could face unnecessary financial risk.

Most Crew Health policies allow for immediate enrollment, providing peace of mind and access to care from the start. Offering coverage from Day 1 also sends a powerful message to new hires. It shows the yacht values their well-being and is invested in keeping them safe and supported. Ultimately, waiting 30 days is a choice, not a requirement, and it's one that could cost more in the long run.

MISCONCEPTION 5 - Medical and Claims Details Will be Shared with the Management Company, Employers, and the Captain

A common misconception is that your medical and claims details will be shared with the management company, employer, or captain. This is categorically false. Your medical information, including any claim you make, is strictly confidential and protected by privacy laws and regulations. Insurance providers are bound by data protection policies that prohibit them from disclosing your medical details to your employer or captain.

Your health is your business, and your employer doesn't have access to your medical records, and your claims remain private.

Navigating Yacht Crew Health insurance doesn't have to be complicated, but it does require thoughtful consideration. The more informed you are, the more confident you'll be in selecting a plan that is right for you, whether that's for you, your crew, or the boat. Understanding your policy upfront also means fewer surprises when it matters most.

If any of our common misconceptions sparked questions, we're here to help. Whether you're looking to better understand your policy, need support with a claim, or want to explore other coverage options, our team is always available to assist! Just reach out and let us know how we can support you. Reach out via our website:www.mhginsurance.com/contact

Starting a career in yachting? Before heading abroad in search of work, make sure you’re prepared, not just with your CV and training, but also with a plan for what happens if you get sick or injured. Below are some essential resources and key things to consider before you go.

Essential Yachting Resources

These organisations offer valuable advice, support, and guidance for aspiring yacht crew:

• ISWAN Personal Safety Resource: Job-Seeking Yacht Crew Safety Guide
• ISWAN Yacht Crew Help: Support for Yacht Crew
• Yachtie Minds Matter: Support for Yacht Crew
• Nautilus International: Union Support for Yacht Crew
• PYA (Professional Yachting Association): Career Guidance for Yacht Crew
• Safer Waves: Confidential Support for Seafarers
• Superyacht Career Maps: Career Paths in the Superyacht Industry

Considering Dock-Walking? Read This First!

Many new crew members start their yachting careers by dock-walking, hoping to land their first job. But before you go abroad, ask yourself:

• How will you pay for medical treatment if you fall ill or get injured?
• What happens if you're too sick or injured to continue looking for work or need to return home?

Understanding Medical Cover While Job-Seeking Abroad

For Non-Americans:

• Reciprocal Health Agreements:

If you’re job-hunting abroad, your home country may have a reciprocal health agreement with your destination, providing emergency medical treatment at little or no cost. However, this rarely includes non-urgent or ongoing medical care and does not cover medical repatriation. If you require an air ambulance or a medically assisted flight home, costs can reach tens of thousands, leaving you stranded without the right cover. British and European travellers should consider obtaining a GHIC (for Brits) or an EHIC (for non-Brits). It’s important to note that many UK travel insurance policies require a GHIC as a condition of cover.

For Americans:

• Your US Domestic Health Insurance:

Some US health insurance plans offer limited international coverage, so it’s important to check with your insurer before you travel. However, most policies do not include medical repatriation, which can be extremely costly. Even if your plan covers medical care abroad, it is unlikely to provide international claims support, such as direct billing or multilingual assistance. This means you may need to pay for treatment upfront and seek reimbursement later.

Travel Insurance Considerations

Travel insurance policies which are often sold in the UK domestic market (including those included with credit cards or bank accounts) feature the following limitations which could be problematic for you:

• Emergency Treatment Only: Travel insurance covers emergencies but won’t pay for ongoing treatment or anything that can wait until you return home.
• Repatriation Over Treatment: Most travel insurers will prefer to repatriate you rather than fund extended medical care abroad. If that happens, your job search is over.
• Common Travel Insurance Limitations:
  • Single-trip limits: Multi-trip policies often have trip limits of 30, 45, or 60 days—too short for most job-seeking crew.
  • Purchase restrictions: Many UK policies must be bought before leaving the UK—if your policy expires, you may struggle to buy a new one.
  • Extension rules: Some policies allow extensions, but only if arranged before your current cover ends.
  • International vs. domestic policies: Travel medical plans from international insurers don’t usually require pre-departure purchase but often lack cover for lost belongings, cancellations, or delays.

Full-Time Major Medical Cover

A full-time international major medical plan provides more comprehensive cover than travel insurance, allowing you to continue job-seeking even if you need medical treatment. These policies:

• Are annually renewable
• Have no single-trip limits
• Cover non-emergency treatment

They cost more than travel insurance but offer long-term protection while working abroad.

Think Ahead!

Further on down the road, there will come a time when your yachting career will end. It might not be at the time of your choosing; a serious injury or illness could make that choice for you. Think NOW about that time! Your future self will thank you. It’s not a popular choice amongst yacht crew, but it’s wise to maintain social system contributions in your home country for the eventuality that you don’t have an employer’s insurance to protect you or the budget for private medical insurance (which increases in cost very steeply as you get older).

Need Insurance Advice?

Not sure what cover you need? We’re happy to help! Contact us for guidance on the best insurance options while job-seeking abroad.

When your child embarks on a career as a yacht crew member, they step into an exciting and demanding industry. While the adventure of working at sea is appealing, the unique risks involved make proper health insurance essential. Many parents have concerns about coverage, costs, and how to ensure their child is protected. Below, we've asked Mark Bononi, MHG's COO and Director of our Yacht Division, to address some of the most common questions that we at MHG Insurance receive from parents about yacht crew insurance.

Q: Will our home health insurance cover anything while my son is working overseas?

A: Most traditional health insurance plans do not cover medical expenses incurred while working overseas, especially in international waters. Even if your plan offers some level of international travel coverage, it probably won't extend to workplace injuries or emergency evacuations—both of which are crucial considerations for yacht crew members. A specialized yacht crew insurance policy ensures that your child has access to the care they need, no matter where they are in the world.

Q: What happens if my daughter needs to be airlifted off the boat?

A: Emergency medical evacuations are often one of the biggest concerns for yacht crew and their families. If your daughter becomes seriously ill or injured while at sea, an airlift may be the only option to be transported to a hospital capable of providing adequate care. Without insurance, these airlifts can cost tens of thousands of dollars. A well-structured yacht crew insurance policy can cover medical evacuations, helping ensure she can receive the necessary treatment without financial strain.

Q: Why do we need different insurance for Europe and the U.S.?

A: Healthcare systems and insurance requirements vary widely between regions and countries. Some European countries have nationalized healthcare, while the U.S. has a private system. If your child is working on yachts that travel between different regions, a global insurance policy is critical to ensure they are covered everywhere they go. Yacht crew insurance is specifically designed to provide seamless international coverage, eliminating the risk of gaps in care.

Q: If my child is exploring a country during her time off, is she still covered by the yacht's health insurance?

A: This depends on the specific policy the yacht provides. Some employer-sponsored plans only cover crew members while they are actively on duty, meaning any injuries sustained during personal time—such as exploring a new city or engaging in water sports—may not be covered. An individual yacht crew insurance plan ensures that your child remains protected at all times, whether they are on the clock or enjoying their time off.

Q: Does health insurance cover my son in between his assignments? What other options do we have?

A: Many yacht crew members work on short-term contracts, which can lead to coverage gaps between jobs. If your son relies solely on employer-provided insurance, he may find himself without coverage when switching vessels or during time off. To avoid these lapses, I recommend a continuous individual policy that stays with him regardless of his employment status. This provides peace of mind and ensures he always has access to medical care.

Q: How much does insurance cost?

A: Unfortunately, there's no simple answer here. It depends on many factors, including the chosen insurance plan, the deductible or excess that is selected and of course the age and gender of the crewmember.

Q: What should I look for in his health insurance package?

A: Not all yacht crew insurance policies are created equal. At a minimum, your child's coverage should include:

1. Global Medical Coverage: Ensures access to healthcare providers worldwide.

2. Emergency Evacuation: Includes air transport to the nearest appropriate medical facility.

3. Repatriation Services: If a serious condition requires returning home, the costs may be covered.

4. Coverage Beyond Work Hours: For protection during personal time and between assignments.

5. Additional Benefits: Dental care, mental health support, and personal liability coverage can be valuable additions.

Q: What do you suggest as the necessities for him to enter the workforce as a yacht crew member?

A: Before entering the yachting industry, your child needs key qualifications. The STCW certification is mandatory safety training for all yacht crew, and the ENG1 medical certificate confirms they're fit to work at sea. Proper insurance coverage is also essential from day one, ensuring they're protected even between jobs.

Beyond certifications, understanding industry expectations is crucial. Yachting demands professionalism, strong work ethic, and adaptability. Since many crew members are paid in different currencies without traditional benefits, financial planning is also important. With the right preparation, your child can confidently start their career at sea.

As your child enters the workforce, having the right insurance isn't just about compliance—it's about safeguarding their health and financial well-being. Working with a provider that specializes in yacht crew insurance, like MHG Insurance, ensures they receive comprehensive protection tailored to the realities of life at sea.

For more details on the best coverage options for your child, visit mhginsurance.com/Insurance/Yacht-Industry or contact me here!

For those working on yachts, the beauty of the job often comes paired with unique challenges—long stretches away from loved ones, high-pressure roles, and the isolation that can come with being surrounded by water. Yet, for every challenge, there’s a counterbalance; in the yachting community, that counterbalance is connection. Developing a strong support system both onboard and off can be transformative for your mental health and the quality of your experience in this dynamic lifestyle.

At MHG Insurance, we understand the complexities of life at sea, which is why we’re committed to supporting the mental well-being of yacht crew. One of the most effective tools at your disposal? The relationships you cultivate along the way.

Connection as a Lifeline

The close quarters of a yacht often mean you’re surrounded by people 24/7. While this can sometimes test your patience, it’s also an opportunity to build meaningful relationships with those who truly understand your lifestyle. Your crew becomes your family away from home, and fostering these connections can be critical to mental health, something many crew members struggle with during jobs.

If you’re a yachtie struggling with mental health, we’ve compiled a list of some helpful resources. Check it out here !

Sharing experiences with peers who understand the highs and lows of yachting creates a unique sense of camaraderie. Whether it’s venting about a tough day or celebrating milestones together, these moments forge bonds that can weather the turbulence of the job. Loneliness is a common struggle for many in the maritime world, but actively engaging with your peers—whether through shared meals, workout sessions, or off-duty adventures—can help combat those feelings.

Off the yacht, maintaining connections with family, friends, and fellow yachties can be equally vital. Technology makes it easier than ever to stay in touch, but there are also dedicated resources tailored for the yachting community. Yacht Crew Help , provided by ISWAN, is an excellent resource offering emotional support and practical advice. Sometimes, just knowing there’s someone who truly understands can make all the difference.

Friendship as Therapy

While seeking professional help is always encouraged for those facing mental health struggles, don’t underestimate the power of friendship as a form of therapy. Having someone to share the journey with—your roommate onboard or a confidant you connect with while docked—can help alleviate stress and foster resilience.

This is something that our friend Captain Kelly Gordon, the driving force behind Yachtie Minds Matter , understands deeply. She has dedicated her platform to normalizing conversations about mental health within the yachting industry, encouraging yacht crew to check in with themselves and each other. Her work demonstrates that when we feel supported, we’re better equipped to handle life’s challenges, both personal and professional.

Beyond peer connections, professional networks designed specifically for yacht crews are invaluable. Yacht Crew Help and Yachtie Minds Matter provide resources tailored to the unique needs of life at sea. These organizations are designed to help crew members navigate the nuances of their lifestyle, offering everything from confidential support lines to specialized workshops.

Navigating Stormy Seas with a Safety Net

Building a robust support system is about more than just socializing—it’s about creating a safety net for when times get tough. Yachting has its share of stressors : demanding schedules, the pressure to maintain high standards, and the physical toll of constant movement. Knowing you have people who’ve got your back can be a powerful antidote.

For crew members who feel their struggles extend beyond the support of friends and family, telemedicine options can provide professional mental health care no matter where the yacht is docked. Many of these services are equipped to handle the unique challenges of yachting, from irregular schedules to fluctuating internet connectivity. By combining peer support with professional care when needed, crew members can build a multi-layered approach to mental wellness.

Sustaining Connection Beyond the Yacht

The yachting lifestyle is inherently transient. Crew rotate on and off yachts, friendships evolve, and life moves at a rapid pace. Staying connected to the people and communities you care about takes effort, but it’s a worthwhile investment in your well-being.

Joining online forums or social media groups specifically for yacht crew can help you maintain ties with people who share your world. Events like crew meetups, industry conferences, or even casual dockside gatherings offer opportunities to reconnect with familiar faces and form new bonds. These moments remind us that the yachting world, though vast, can feel remarkably close-knit when we actively engage with it.

When you’re back on land, use the time to recharge and nurture relationships with loved ones. Strong connections onshore can provide stability, grounding you no matter where your next assignment takes you.

Why Connection Matters

The power of connection lies in its ability to transform isolation into community. In an industry as fast-paced and unique as yachting, fostering meaningful relationships ensures you're never truly alone, no matter how far you are from home.

Whether you’re leaning on peers during a tough crossing, finding support through resources like Yacht Crew Help and Yachtie Minds Matter, or taking advantage of telemedicine options to prioritize your mental health, reaching out can be life-changing. At MHG Insurance , we believe that building a support system isn’t just helpful—it’s essential.

Living and working on a yacht offers a unique lifestyle, but it also comes with significant challenges. These pressures can become even more pronounced during the holiday season, as being away from friends and family can intensify feelings of loneliness or homesickness. Combined with the high expectations of employers and guests, it’s no surprise that stress, anxiety, and burnout can take a toll on mental health. Taking the first step toward seeking help—or even acknowledging the need for it—can be difficult. However, mental health awareness within the yachting industry has grown significantly in recent years, and confidential, supportive resources are more accessible than ever.

At MHG Insurance , we understand the complexities of working in such a high-pressure environment and are committed to helping crew members access the support they need to thrive. Keep reading for an overview of resources, practical tips, and actionable solutions to safeguard your mental health. Remember, seeking help isn’t a sign of weakness—it’s a powerful step toward resilience, balance, and a healthier, happier you.

Support Dedicated To Seafarers

Several organizations offer specialized services and programs designed specifically for seafarers, providing support that is both relevant and compassionate. Remember, seeking help isn’t just for moments of crisis—it’s about proactively safeguarding your well-being before challenges become overwhelming.

• ISWAN’s YachtCrewHelp – A free, confidential, and multilingual support helpline for yacht crew, accessible 24/7, every day of the year.

• Seas the Mind - Committed to fostering mentally healthy and resilient yacht crews through Mental Health First Aid training.

• Yachtie Minds Matter – Captain Kelly Gordon’s initiative promoting mental health awareness resources for yacht crew. An industry advocate, Capt Kelly fosters open conversations and offers tools, information, and support to prioritize crew well-being, drawing from her own relatable experiences in yachting..

• Safer Waves - Safer Waves offers confidential help for seafarers experiencing harassment, bullying, and discrimination.

Unlocking Mental Health Resources with Your Crew Health Plan

Crew Health insurance plans have made accessing professional mental health support easier than ever. Many policies now include mental health services as a standard benefit, with no deductibles, co-pays, or co-insurance required. Whether you prefer in-person sessions or the flexibility of virtual consultations, help is accessible no matter where you are in the world.

It’s important to note that coverage can vary between policies. If you’re considering seeking support, take a moment to review your policy details or reach out to your insurance broker for a complete understanding of your options.

Building Peer Support Networks

Though professional help is invaluable, the power of community should not be underestimated. Connecting with fellow crew members or others within the industry with shared experiences can provide a sense of solidarity and understanding.

Some yacht crew turn to social media pages , online groups, or local meetups for support. Platforms like Facebook may host private groups specifically for crew, where individuals share advice, stories, and resources. Others opt for more structured peer-support systems, such as attending crew wellness events or joining organizations that promote mental health awareness in the yachting community.

Onboard, fostering open communication with your team can make a significant difference. Crew members who feel comfortable discussing their struggles with trusted colleagues often experience reduced feelings of isolation. While the yachting industry is still evolving in its approach to mental health, the cultural shift toward openness and empathy is palpable.

Self-Care: The First Line of Defense

Although external resources are essential, your personal habits also play a significant role in maintaining mental health. Prioritizing self-care onboard can seem challenging, but even small changes can make a substantial difference.

Physical activity is a powerful way to reduce stress and boost your mood. While many yachties stay active through the demands of their job, taking time for enjoyable physical activities can make all the difference. Whether it’s using the yacht’s fitness equipment, practicing yoga on deck, swimming, or going for a walk or jog during shore leave, exercise provides a chance to clear your mind and release stress. Even if it’s just a few minutes a day, try to steal a few moments for yourself. Prioritize activity that feels good for you—it’s an investment in both your mental and physical well-being.

Mindfulness practices, such as meditation or breathing exercises, are also excellent tools for managing stress. Apps like Calm or Headspace are particularly useful for busy schedules, offering guided meditations that can be completed in just a few minutes.

Maintaining a balanced diet, staying hydrated, and limiting alcohol are fundamental. While it may be difficult, try to get as much sleep as possible. It can be tempting to rely on convenience foods or energy drinks during hectic workdays, but prioritizing nutrition will provide long-term benefits for both your body and mind.

Taking the Next Step

Mental health is a vital component of your overall well-being. Whether you’re facing unresolved issues, navigating heavy emotional challenges, or simply need someone to listen, your Crew Health plan and industry resources are here to help. Prioritize your well-being by making healthy lifestyle choices and incorporating self-care practices into your daily routine. From professional counseling to peer networks and self-guided approaches, the resources available to yacht crew are designed to meet you where you are—no matter the challenges you face.

At MHG Insurance, we are dedicated to supporting the mental health of those who dedicate their lives to working at sea. Through comprehensive insurance solutions that include access to mental health services, we strive to ensure you have the care and support you need when it matters most.

Life onboard can be unpredictable, but with the right tools and resources, you can navigate the waves of mental health challenges with strength, resilience, and confidence.

As the winter chill takes hold, the allure of warm, tropical destinations becomes stronger than ever. For those seeking a luxurious escape to sun-drenched beaches, crystal-clear waters, and stunning coastlines, a winter yacht charter promises the perfect getaway. Whether your goal is relaxation, adventure, or cultural exploration, the right destination can make all the difference.

However, with all the excitement of planning such a trip comes the risk of unexpected disruptions. That's why protecting your investment with trip cancellation insurance is essential, and MHG Insurance is here to provide the peace of mind you need. After all, the last thing you want is to lose out on your dream charter because of unforeseen circumstances.

This Winter edition highlights a few of our favorite charter destinations that shine during the colder months. We'll also emphasize how trip cancellation insurance can safeguard your trip of a lifetime, ensuring that if plans change, you're covered.

The Caribbean: A Timeless Winter Getaway

The Caribbean understandably remains one of the top winter yacht charter destinations, offering a perfect escape from the cold. With its inviting beaches, warm climate, and countless islands to explore, the region promises a blend of luxury and adventure. Popular destinations such as Antigua, the British Virgin Islands, and St. Lucia provide a mix of vibrant culture and serene natural beauty.

The British Virgin Islands (BVI) boast calm waters and protected anchorages that make it easy to hop between islands. From the nightlife of Tortola to the untouched beaches of Anegada, the BVIs are an ideal location for both relaxation and exploration. Antigua, meanwhile, is famous for its rich history. Whether you're diving into the turquoise waters or exploring ancient sugar plantations, there's always something to discover in this Caribbean paradise.

The Bahamas: A Short Hop to Paradise

The Bahamas is an excellent winter charter destination for those in America seeking a tropical escape not too far from home. With its proximity to the United States, the Bahamas offers the perfect mix of convenience and beauty. The Exumas, mainly, are a favorite among charter guests, with their crystal-clear waters, vibrant marine life, and stunning sandbars stretching endlessly into the sea.

Chartering a yacht in the Exumas gives you access to some of the most breathtaking natural sites in the region. Visit Pig Beach, where you can swim with friendly wild pigs or dive into Thunderball Grotto, made famous by the James Bond film. The Bahamas offers diverse experiences and untouched islands where the only company you'll find is the occasional sea turtle.

The Maldives: Private Luxury in the Indian Ocean

For those looking to combine exclusivity with stunning natural beauty, the Maldives is a top winter destination. Famous for its overwater villas, crystal-clear lagoons, and incredible marine life, the Maldives offers unparalleled privacy and luxury. This collection of atolls in the Indian Ocean is perfect for those seeking a serene and upscale winter retreat.

Winter charters in the Maldives offer an ideal opportunity to experience its tropical beauty at its finest. The atolls are scattered across the ocean, giving you the freedom to explore tranquil, secluded beaches while enjoying the luxurious amenities of your yacht. Whether diving in the coral-rich waters, relaxing under the palm trees, or watching the sun dip below the horizon, the Maldives provides a dreamy winter escape.

Thailand: A Blend of Culture and Natural Beauty

Thailand's unique blend of natural landscapes and rich cultural experiences makes it a top winter charter destination. The Andaman Sea, dotted with limestone cliffs, emerald waters, and hidden beaches, is particularly captivating during the winter months. Phuket, along with surrounding islands such as Koh Phi Phi and the Similan Islands, is a favorite among charter guests for its natural beauty and vibrant local culture.

While exploring Thailand, you can indulge in world-class cuisine, discover ancient temples, and immerse yourself in the rich traditions of this Southeast Asian gem. For a more remote experience, the Similan Islands offer unparalleled diving opportunities and secluded beaches, making it easy to escape the hustle and bustle of mainland Thailand.

Protecting Your Winter Escape

As you dream of these winter charter destinations, it's essential to remember that the perfect trip can sometimes be interrupted by the unpredictable. From last-minute health concerns, business obligations, and weather, among many other reasons, the best way to safeguard your experience is through trip cancellation insurance. By partnering with MHG Insurance, you can ensure that your yacht charter investment is protected, giving you peace of mind as you embark on your dream winter getaway.

No matter which destination calls to you this winter—whether it's the sun-soaked beaches of the Caribbean, the serene waters of the Maldives, or the vibrant culture of Thailand—MHG Insurance can help ensure that if life throws a curveball, your trip of a lifetime won't become a financial burden. With the right coverage in place, you can focus on the joy of exploring these incredible destinations, knowing that your investment is secure.

Click here to learn more about our trip cancellation policy, or contact us for a quote today!

Life as a yacht crew member offers adventure and freedom but also comes with often overlooked risks. Many crew, confident in their youth and fitness, might think health insurance is something they don't really need—until a crisis proves otherwise. The truth is, accidents, illnesses, and medical emergencies don't wait for the "right time," and they certainly don't happen only when you're on duty or in familiar territory.

Whether it's a sudden accident while off-duty or a medical emergency in a remote location, having comprehensive yacht crew insurance is not just about routine care—it's about securing your future when the unpredictable becomes reality. We've collected real-life stories where health insurance made the difference between financial ruin and recovery for crew. These anonymized cases remind us why insurance isn't a luxury—it's an essential lifeline.

Case 1: A Life-Saving Evacuation After a Violent Attack  

Picture this: a crew member, in peak physical condition, is enjoying a night off when they are suddenly and violently attacked while in town. The assault leaves the individual in critical condition, requiring emergency medical evacuation from a remote location to a state-of-the-art trauma center in the U.S. The cost of this emergency evacuation alone runs into the hundreds of thousands of dollars, not to mention the additional expenses incurred for intensive care, surgeries, and weeks of rehabilitation in the U.S.

Had this crew member not been covered by comprehensive health insurance, the outcome could have been drastically different. Without financial support, the costs of evacuation, medical treatment, and recovery would have been insurmountable. Because of the insurance, the individual could receive the life-saving care they needed and ultimately make a full recovery.

Takeaway: Even if you're young, fit, and healthy, having health insurance isn't just about routine checkups or minor injuries. It's a safeguard against life's unpredictable moments, even those that seem completely unrelated to your personal health.

Case 2: A Bicycle Accident and the Road to Recovery

While many crew assume that any injuries sustained would be covered under the yacht owner's insurance, that's not always the case—especially when accidents happen off-duty and off-site. Take, for example, a crew member who was cycling through the streets of Ft. Lauderdale during their downtime. A driver with no insurance struck the crew member, causing multiple broken bones and extensive injuries that required plastic surgery to repair.

Without their own health insurance, this crew member would have faced an overwhelming financial burden on top of the long and painful road to recovery. But thanks to their yacht crew insurance coverage, they were able to access high-quality medical care and underwent several surgeries, which allowed them to heal and regain their full physical ability.

Takeaway: Accidents don't just happen at work, and employers aren't always liable for your off-duty medical needs. Personal health insurance guarantees access to medical care when you need it, regardless of the circumstances.

Case 3: Severe Food Poisoning with Unexpected Consequences

When you think of food poisoning, you might imagine a few days of discomfort and an upset stomach. But for one crew member in Italy, food poisoning turned into a life-threatening ordeal. A severe infection resulted in several complicated surgeries, and the individual continues to require medical care, with further surgeries still on the horizon.

The total cost of care has already reached hundreds of thousands of dollars, a financial burden that would have been impossible to bear without health insurance. The crew member's insurance has paid for every procedure so far, ensuring they receive the necessary care for a full recovery.

Takeaway: Sometimes, even seemingly minor health issues can escalate into major medical emergencies. Comprehensive health insurance provides peace of mind that no matter how serious your situation becomes, the financial aspect is one less thing to worry about.

Case 4: Detecting and Treating Skin Cancer Early

Crew members spend a significant portion of their time working under the sun, and as a result, they are at a higher risk of developing skin cancer. One crew member took advantage of their health insurance's coverage for regular checkups and discovered several cancerous moles during a routine skin examination. These moles were identified as melanoma, one of the most dangerous forms of skin cancer.

Because the cancer was caught early, the crew member was able to undergo immediate treatment and is now cancer-free. Without insurance, the crew member might have delayed getting the necessary checkup or treatment, which could have led to a more serious, possibly life-threatening condition.

Takeaway: Preventive care is just as important as emergency treatment. Regular health checkups, which were covered by insurance in this case, can catch issues like cancer early when they are far easier to treat and cure.

The Bigger Picture: Why Health Insurance Matters for Crew Members

These four cases highlight an important truth: life is unpredictable. While crew may feel invincible due to their age or physical fitness, health insurance is an essential safety net. Whether it's a severe accident, a long-term illness, or an unforeseen medical condition, the cost of healthcare can escalate quickly, putting an immense financial strain on you and your family.

Additionally, crew members often work in international locations where access to healthcare can be limited or extremely expensive for foreigners. In these cases, having yacht crew insurance that includes coverage for medical evacuation, international treatment, and rehabilitation is invaluable.

These real-life stories remind us of health insurance's importance in safeguarding your health and financial future. For crew, who often work in unique and challenging environments, having the right coverage can make the difference between a quick recovery and a long-term struggle. Don't let the unpredictable nature of life catch you off guard—ensure you're protected with comprehensive yacht crew insurance today.

At MHG Insurance, we understand the unique needs of crew members and are committed to providing the best health insurance plans to protect you no matter where life takes you. Ready to protect your health and financial future? Don't wait for the unexpected—GET A QUOTEtoday!

Imagine you've been planning a safari trip to the Serengeti National Park in Tanzania for months. You've invested both time and money in making this dream a reality. You've booked flights, accommodations, safari tours, and even purchased new gear and clothing for the adventure. Your excitement knows no bounds as you count down the days until departure.

As your departure date approaches, life takes an unexpected turn. Your elderly mom has a fall and is in the hospital with a broken hip, forcing you to cancel your dream vacation. The total financial impact of canceling your safari trip could quickly run into thousands of dollars, depending on the scale and complexity of your journey. Without trip cancellation insurance, this could translate into a significant financial loss.

The Role of Trip Cancellation Insurance

This is where trip cancellation insurance becomes a valuable safeguard. For a relatively modest premium, you can protect yourself from the financial risks of canceling your trip. In all, there are 36 cancellation reasons. Let's explore how trip cancellation insurance can save you money in various scenarios.

If a sudden illness, such as Covid, or injury occurs, and a doctor advises you against traveling, trip cancellation insurance can provide coverage. It typically reimburses portions of non-refundable expenses, such as flights, accommodations, and tour bookings. In case of a family emergency, such as the hospitalization of a close family member, insurance can step in. It can cover the expenses you'd otherwise lose due to last-minute trip cancellations.

If your employer unexpectedly requires you to remain at work due to an urgent project or business matter, trip cancellation insurance can be a financial lifesaver. It can reimburse your pre-paid expenses, ensuring your career doesn't suffer alongside your travel plans.

Imagine a hurricane warning is issued at home just prior to your trip, or your destination is affected by a natural disaster just days before your departure. Without insurance, you'd likely lose all the money you've invested. Trip cancellation insurance typically covers cancellations due to such unforeseeable events. Airlines will not always help you with issues of this kind as they are covered by their “force majeure” clause.

Lastly, if your travel destination experiences political unrest or becomes the site of a terrorist attack, trip cancellation insurance can often cover your losses. This is especially relevant for travelers venturing into potentially volatile regions.

Speak to your insurance professional for a complete list of covered reasons.

The Bottom Line: Potential Savings

If you're considering purchasing trip cancellation insurance, you might be wondering how much money it can actually save you in a real-life scenario. Let’s use the safari trip to Tanzania as an example so that we can estimate the potential savings you could have with trip cancellation insurance.

First, let's consider flights. A round-trip ticket to Tanzania might cost around $1,000. If you have to cancel, the airline's cancellation fee could be an additional $200. Next, let's look at accommodations. A week's stay at a safari lodge could cost anywhere from $1,000 to $3,000 or more.

Safari tours are another expense to consider. Depending on the length and complexity of your safari, you might have prepaid $1,000 or more. Specialized gear and clothing for a safari might add up to $500 or more.

Finally, if you've booked extra activities or excursions, like a walking tour or a guided tour through the local marketplace totaling $500, insurance can cover this loss as well.

In total, your dream safari trip could cost between $3,700 and $6,700. Trip cancellation insurance, which typically costs around 5-10% of your total trip expenses, could be a lifesaver in the event of a cancellation.

Embarking on a safari in Africa is a dream for many, but life is full of uncertainties. Trip cancellation insurance is a smart and cost-effective way to protect your investment and ensure that unforeseen circumstances don't crush your dreams of adventure. By investing a relatively small amount in insurance, you can safeguard your travel plans, ensuring that even if the unexpected occurs, your dream trip doesn't turn into a financial nightmare. So, before you embark on your next adventure, consider the value of trip cancellation insurance—it might just be your best travel companion.

To learn more about a world-class travel insurance plan, talk to an insurance specialist today by visiting mhginsurance.com 

When trying to get into the yachting industry, one of the best assets to have is connections. Not only can they let you know about jobs that may not necessarily be posted online, but you can also get an excellent recommendation from someone already in the industry. Here's your guide to how to network for yacht crew jobs.

How to Network Away From a Port

While one of the best options for building your network will likely be in a city with lots of ports and yacht crews, you may also want to make some connections before moving or visiting a port city. There are plenty of online groups and forums that you can join where you can introduce yourself and let people know you may be in their area. Some groups also post jobs or let users post CVs or resumes.

The downside to these groups is that they're usually large, and getting people's attention is hard. Many job postings on these forums will also be competitive. While it's an excellent way to get a head start on building your network, the best option is to meet people in person.

Fort Lauderdale, USA

As the yacht capital of the world, Fort Lauderdale is one of the best cities in the world to network. The city hosts the annual Fort Lauderdale International Boat Show, one of the largest yacht shows globally, attracting both professionals and enthusiasts from around the globe. The port city has numerous crew agencies, training centers, and yacht-related businesses, making it an excellent place to kickstart your career.

There are also amazing local nightlife scenes to check out to meet other yacht crew. Tap42, Bar Rita, and Waxy's are all infamous bars within walking distance of the yachting district of Fort Lauderdale, and it's a great place to meet people in yachting.

On October 24th, 2023, MHG Insurance will be hosting a networking event for yacht crew, right before the Fort Lauderdale Boat Show. The event promises to be a great opportunity to meet others in the industry. 

Antibes, France

Antibes, located on the French Riviera, is a hotspot for yacht crew networking. After the vibrant summer tourism season, yacht crews are easy to find in the small, picturesque town. Especially as the world’s luxury yachts enter the Mediterranean for the annual Monaco Yacht Show, Antibes is one of the busiest networking areas in Europe.

Yoga and fitness classes are popular among docked crew who find gym memberships hard to keep up with. Many have classes at the beach or parks, and they may be an excellent opportunity to make connections to the industry. There are also bars like Le Blue Lady and The Hop Store or crew houses that offer networking opportunities.

Palma de Mallorca, Spain

Palma de Mallorca, nestled in the Mediterranean, is another popular destination for yacht crew networking. The city is vibrant, full of marinas, crew houses, and training centers. Palma also hosts the Palma Superyacht Show, a significant event that attracts industry experts and potential employers.

Hogan's Burger Bar is a yacht crew's favorite Irish bar that makes all their food from scratch. Corner Bar and Escape Bar are other hotspots to check out. The city is also filled with outdoor sports to get involved in, like scuba diving, paddle boarding, and surfing, which crew love.

Auckland, New Zealand

Auckland, known as the "City of Sails," is one of the most significant yachting destinations in the Southern Hemisphere. With stunning harbors and world-class sailing facilities, it's hard not to love Auckland. The city hosts the Auckland On Water Boat Show, which attracts yacht enthusiasts and industry insiders alike.

While the main attractions for crew on off days are outdoor activities and sports, there are a few hotspots to check out, including Captain's Bar and Carousel. These locations can be great places to meet yachting friends or network.

For anyone in the yachting industry, you're going to need to think about how to insure yourself or your crew. Visit mhginsurance.com to find out what options you have in yacht crew insurance.

Have any other recommendations? We'd love to hear them! Visit us on LinkedIn, Facebook, or Instagram to send us a message.

Selecting insurance for an entire group can be an intimidating task. After all, choosing something for yourself can be difficult, but when everyone has different requirements or interests, trying to make everyone satisfied and happy is a challenge for sure. That’s where we come in!

First off, there is a lot of research to be conducted, quotes to consider, difficult conversations to be had, and potential compromises to be made. That’s before getting into the nitty-gritty of ever-changing rules and regulations. Which is why you should have a basic understanding of yacht crew insurance benefits, because even when you leave it for the experts, you need to know what you are getting yourself into. The different benefit options to be aware of are:

· Medical/Health Insurance

· Life Insurance

· Accidental Death and Dismemberment

· Personal Accident

· Temporary Disability Insurance

· Hospital Indemnity

Medical/Health Insurance

Medical/Health Insurance is typically at the forefront of all benefits packages. Oftentimes being the only benefit offered. While most people are familiar with health insurance, there are still a number of details that need to be reviewed and considered. How much is the deductible? Is there a co-pay? What is the co-insurance? Does it include dental, vision, and/or disability? Feeling overwhelmed? Please feel free to contact us for assistance and guidance on what plan would fit your yacht crew best.

Life insurance

Many consider life insurance as a personal or “luxury” option, but there are a growing number of yachts that are including life insurance coverage as a part of their overall benefits package. Offering coverage for your crew can give them some assurance that if anything happens to them while they are at sea, their loved ones will be better protected financially back home. Typically, coverage amounts are fixed in increments of $10,000, up to $100,000.

Accidental Death and Dismemberment

Accidental death and dismemberment, also known as AD&D, is very similar to life insurance. The difference is that there is only a benefit from an accidental death, or dismembering injury. This type of insurance typically provides coverage 24/7, not just while at work.

Personal Accident

Often referred to as PA cover, personal accident insurance will pay out a sum of money for permanent injury (and sometimes permanent illness). It is often confused with medical insurance; however, it doesn’t provide coverage for any medical bills or doctors’ appointments, it simply provides a one-time payment after experiencing a permanent injury or illness.

Temporary Disability Insurance

Temporary Disability insurance is a great way to offer coverage for your crew in the event they get sick or hurt and cannot work for a short period of time. Having this policy will cover a percentage of the person’s wages if they are unable to perform their occupation and can last for up to two years due to an injury or illness. If the disabling event becomes permanent, the personal accident (if purchased as above) may kick-in and pay a lump sum.

Hospital Indemnity

Hospital indemnity insurance is similar to disability insurance, in that it provides an added benefit. Depending on the policy, it provides a benefit each day your crew member is in the hospital. For example, if someone were hurt on the job and had to go to the hospital, the insurance would pay that person $100 per day that they are admitted in the hospital. This does not cover their hospital bills; it just provides the person with an added benefit.

Having proper insurance is important whether you are at sea or docked at a shipyard. MHG is your specialized broker when it comes to crew 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 mhginsurance.com.