Mental Health Resources for Yacht Crew: Where to Find Help When You Need It - Mental Health Resources for Yacht Crew: Where to Find Help When You Need It

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

Life onboard has unique challenges, but help is always within reach. Discover mental health resources tailored to crew for support when you need it most.

Interview Series: Mark Bononi - Navigating Mental Health at Sea: A Guide for SeafarersBeyond the glamour and luxury of working on a yacht lies the crucial aspect of crew wellbeing, particularly when it comes to health insurance. To shed light on the complexities of yacht crew health insurance, we spoke with Mark Bononi, the COO and Director of MHG Insurance's Yacht Division. With years of experience and deep expertise in crew insurance, Mark shared valuable insights on the responsibilities of yacht owners, evolving trends in coverage, and the importance of comprehensive health plans.

Q: What responsibilities do yacht owners or captains have regarding crew health insurance?

Owners and captains should always prioritize what's in the best interest of the yacht's program, and that typically includes providing a solid health insurance plan. Not only do crew members look for health insurance as part of their employment package, but it also protects the yacht's P&I (Protection & Indemnity) policy from potential crew medical claims. A good health insurance plan safeguards both the crew and the vessel.

Q: How do crew health insurance and P&I insurance work together if a crew member is injured on the job?

Crew health insurance acts as the first line of defense for any medical claims, whether the injury happens onboard or away from the yacht. However, there are often times when liability issues can come into play, particularly when it is a work-related accident. In such cases, collaboration between the crew's medical insurance and the yacht's P&I policy becomes crucial. This coordination helps ensure that all aspects of the injury and claim are covered appropriately.

Q: Beyond medical coverage, what benefit do you wish every yacht would offer?

Disability or sick wages coverage is a key benefit that I wish more yachts provided. We have seen a huge increase in the number of vessels opting for this coverage as not only a budget-management tool but also as a risk-management tool. It's vital because it keeps wage claims away from the P&I policy, and the cost of adding this coverage is typically quite low.

Q: What advice do you give to yacht owners or captains facing budget constraints but still needing comprehensive coverage?

This is where working with an experienced insurance broker can make all the difference. A broker can work with a budget to provide the best type of coverage suited to the budget. Often, there are considerations beyond just the premium, such as deductibles or plan limitations, that people may overlook when choosing a plan.

Q: You've seen the industry evolve over the years. How has crew health insurance changed, and what trends are shaping its future?

Crew insurance has come a long way, particularly when it comes to the industry recognizing the need for it. Plans have become more responsive to the changing needs of the yachting world and the broader healthcare landscape, including mental health coverage and non-medical benefits. We're seeing more yachts and management companies acknowledge the importance of mental health, which has been a significant trend in recent years.

Q: Mental health has become a big topic, especially after the pandemic. How have crew health plans adapted to this?

Crew insurance has come a long way, particularly when it comes to the industry recognizing the need for it. Plans have become more responsive to the changing needs of the yachting world and the broader healthcare landscape, including mental health coverage and non-medical benefits. We're seeing more yachts and management companies acknowledge the importance of mental health, which has been a significant trend in recent years.

Q: What are some common misconceptions that yacht crew have about their health insurance?

A common misconception is that insurance covers everything, but it definitely does not. Each plan comes with specific terms, conditions, and exclusions, so it's crucial for crew members to understand what their policy does and doesn't cover. Another misunderstanding is that crew members sometimes assume the vessel owner will take care of any health issues, which isn't always true. Crew need to know the extent of their coverage and be proactive in understanding it.

Q: How does telemedicine fit into crew health insurance, and do you see it as a long-term trend?

Telemedicine is an excellent resource for yacht crew, making it much easier to get medical attention for issues that can be diagnosed and treated through a video consultation. It's cost-effective, saves time, and reduces the need for more complicated and expensive healthcare solutions. While it doesn't replace in-person care for everything, I definitely see this continuing to play a role in crew medical care going forward.

Q: What should crew consider when selecting a policy that includes emergency medical evacuations?

The first thing to know is that medical evacuations are rare and are typically only from land, but they do happen. Most policies require risk of loss of life or limb before considering an evacuation, and this must be coordinated by the insurance company in consultation with the attending physician. It's important for crew to understand that not all situations will warrant an evacuation, and in some cases, staying put until the yacht reaches a port may be the safest option.

Q: In the event of a medical emergency onboard, what's the first step to initiating an evacuation?

The first step is always to get immediate medical attention from a physician. Based on the doctor's assessment, the insurance company may be contacted to arrange an evacuation if it's deemed necessary. It's important to remember that most evacuations occur from land, so the yacht might need to head to the nearest port for the process to begin. Once the insurance company is involved, they will coordinate the next steps.

Mark Bononi's insights highlight the importance of having the right crew health insurance in place. From disability coverage to mental health support and emergency evacuations, there are many aspects to consider when selecting the best plan for your crew. At MHG Insurance, we're dedicated to helping yacht owners, captains, and crew navigate these complexities and ensure their teams are well-protected.

If you'd like to learn more about how MHG Insurance can assist you in finding the right coverage for your yacht crew, reach out to us today by visiting www.mhginsurance.com/contact. Our expert team is here to provide the guidance you need to protect your crew and your vessel.

Find expert insights from Mark Bononi on crew health insurance, including key benefits, common misconceptions, and how to protect your crew's wellbeing.

Our Favorite Charter Destinations: Winter Edition - Our Favorite Charter Destinations: Winter Edition 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!

Escape winter with a yacht charter in the Caribbean, Maldives, and beyond. Discover our top destinations and learn how we can protect your dream getaway!

Why Health Insurance is Vital for Crew Members: Real-Life Stories of Life-Saving Protection - Why Health Insurance is Vital for Crew Members: Real-Life Stories of Life-Saving ProtectionLife 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!

Life is unpredictable—these real stories show how health insurance saved yacht crew from huge medical costs and provide peace of mind when you need it.

Interview Series: Joanna Drysdale - Navigating Mental Health at Sea: A Guide for Seafarers


For many, working on a yacht is a dream career where travel and work are combined. Often, the excitement of the job causes health and wellbeing to take a backseat. But for those who live and work on the waves, robust health insurance isn't just a formality—it's a critical safeguard. Joanna Drysdale, the Director of Underwriting Services at MHG's Isle of Man office, is a key expert in this field. With over ten years of experience in advising the yachting industry on crew health benefits, Joanna is renowned for her commitment to mental health and wellbeing. She has been instrumental in developing resources like ISWAN's Yacht Crew Help.

Read what Joanna shared with us about her valuable insights on crew health benefits, common misconceptions, and the evolving landscape of crew insurance.

Q: What crew health benefit do you think is often overlooked?

Rather than focusing on a single overlooked element, I find that customers often underestimate the differences between crew insurance policies. Each plan varies significantly depending on individual circumstances. Coverage can differ in terms of home country expenses, injuries sustained while intoxicated, maternity care, and coverage for adventurous activities. Therefore, assessing how you want the crew insurance to function is crucial, as well as determining your priorities and communicating these clearly to your management or insurance broker.

Q: You're very passionate about crew mental health. How do you think awareness has improved in the industry in the past few years?

There has been notable progress in raising awareness about mental health, but there's a limit to how effective this can be. Once awareness reaches a certain level, using that momentum to drive tangible change is essential. It's not enough to simply tell crew members that "It's OK to not be OK" if they still feel unsure about where to seek help or if they lack confidence in reaching out to colleagues or superiors. Yachts can offer Employee Assistance Programmes, promote resources like Yacht Crew Help, and provide mental health coverage, but if these services aren't utilized, it's important to reassess what might be missing.

Q: What are some common misconceptions that crew have about health insurance?

European crew often assume their EHIC or GHIC provides sufficient coverage between jobs. While it covers emergency treatment, it doesn't always cover all costs or provide for evacuation and repatriation. Crew members may also believe they must get pre-authorization for all types of treatment or use specific providers globally. In reality, most insurance plans only require pre-authorization for certain treatments (like inpatient care or surgery) and usually only have specific provider requirements in the United States. It's always best to review the insurance policy's terms and conditions before seeking treatment.

Q: Are you seeing any trends that could impact crew health insurance policies in the next 5 to 10 years?

There's a growing trend for management companies and clients to include more coverage in crew insurance that was traditionally handled by P&I. For example, covering temporary crew or day workers, which P&I previously managed, is now more common in crew insurance plans. A French broker mentioned that in France, unhappy crew members could legally force a yacht to be detained, which can be mitigated by crew insurance. This type of insurance can potentially expedite claim payments and minimize disruption. Additionally, I hope to see improved mental health coverage and greater accessibility from crew insurance providers.

Q: What are the most common crew health claims that MHG Insurance sees?

We frequently see claims related to injuries sustained while under the influence of alcohol, as well as accidents involving equipment like hatches, lines, winches, and tenders. Wear and tear injuries, such as those affecting joints and ligaments, are also common. Our plans are designed to cover private treatment while crew members are on leave, which is appreciated for managing these injuries on their own schedule. Routine dental claims are also quite frequent.

Q: Besides medical expenses, which benefit would you encourage every boat to take?

I recommend including routine medical, dental, and optical coverage—what we call "Health Plus." This benefit often provides more value than its cost, as routine dental claims are pretty common. Another important but frequently overlooked benefit is coverage for death due to illness, also known as "term life." Many international medical plans don't cover funeral costs if the death occurs in the crew member's home country. Even a modest amount of coverage for funeral expenses can alleviate some of the difficulties families face in such situations.

Q: What do you think sets MHG apart from other crew health specialists in the industry?

Our extensive experience is a key differentiator. Our dedicated and knowledgeable underwriting and claims teams have a long history of specializing in yacht crew, which is crucial. Additionally, our longstanding relationships with policy underwriters and the size of our portfolios provide us with stability and flexibility. These factors enable us to offer tailored solutions and maintain reliable service.

Q: What key features should owners, yacht managers, and captains look for when choosing a health insurance plan for their crew?

It's essential to identify and communicate your key priorities to your yacht management or marine broker. Do you want to be able to support a crew member who falls pregnant? Ensure there's adequate maternity coverage. If you want your crew protected while on leave and engaged in adventurous activities, ensure you have comprehensive 24/7 and 365 coverage.

Q: How do you help yacht owners balance the cost of premiums with the need for comprehensive cover?

Our flexible and customizable plans allow us to offer solutions that fit both customer requirements and budgets. While not every client requires or desires the level of coverage we offer, those seeking comprehensive benefits and specialized service can rely on us to provide the necessary support while maintaining stable premiums. We use decades of data to ensure our pricing remains sustainable.

Q: What has been the most rewarding aspect of working with yacht crew for the past 13+ years?

The most rewarding aspect has been seeing our claims team deliver impactful support to crew members in times of need. Following a crew member's recovery from serious medical issues and their return to work is incredibly fulfilling.

Q: Can you share any memorable stories from clients that highlight the importance of having crew health insurance?

There are many memorable stories. One involved a crew member diagnosed with a serious condition and told they'd never work at sea again. With the support of sick pay insurance, they were covered for two years and eventually returned to work on another yacht. Another case involved a crew member who needed a drug not covered by their domestic insurance but was included in their crew insurance. Despite initial fears about the crew member's future, they eventually returned to work after receiving the necessary treatment. These stories, along with the challenging ones, underscore our commitment to each crew member's wellbeing.

Joanna Drysdale's insights highlight the complexities of managing yacht crew health benefits and the importance of tailored insurance coverage. Her expertise offers valuable guidance for ensuring that crew members are well-protected and supported in their roles.

Joanna Drysdale's insights provide a comprehensive look at the complexities of crew health benefits and the importance of tailored insurance coverage. At MHG Insurance, we are dedicated to offering exceptional service and flexible solutions designed to meet the unique needs of yacht crews. If you're looking for expert guidance and comprehensive coverage for your crew, contact us today to learn how we can help you ensure their wellbeing and protect your vessel. Reach out to MHG Insurance and discover the difference our specialized approach can make.

Discover Joanna Drysdale's expert insights on yacht crew health benefits, from overlooked coverage to evolving trends. Learn how MHG Insurance can help!

Want to Join a Cruise Ship as a Guest Lecturer? Here's Everything You Need to Know. - Want to Join a Cruise Ship as a Guest Lecturer? Here's Everything You Need to Know.

Do you imagine combining your passion for education with the adventure of traveling and seeing the world? If the idea of sharing your expertise while sailing the high seas sounds appealing, then becoming a guest lecturer on a cruise ship might be the perfect career move for you. We've got your guide to exploring the exciting world of cruise ship lecturing, covering everything from the diverse opportunities, essential skills, application process, and the health insurance obligations.

Exploring the Vast Opportunities

Guest lecturers on cruise ships have the chance to explore a variety of opportunities, catering to diverse interests and expertise. One such opportunity is to offer academic lectures and share your knowledge in your field of expertise, whether history, science, literature, or any other subject. Cruise ship passengers often appreciate intellectually stimulating content and are eager to learn from experts.

Another way to engage passengers is to offer lectures on special interest topics such as photography, culinary arts, or wellness. These can provide a unique and enriching experience for guests with specific interests. It's a great way to cater to niche markets and ensure passengers have a memorable and enjoyable onboard experience.

Beyond traditional lectures, cruise lines may offer interactive workshops or class opportunities. This format allows guests to participate and learn hands-on skills actively. Workshops and classes could include anything from arts and crafts classes to cooking demonstrations, dance lessons, or fitness classes. It's a great way to provide guests with a diverse range of activities and ensure that they are engaged throughout the duration of the cruise.

Finally, guest lecturers can embrace the chance to immerse passengers in the local culture of each port of call. By sharing insights into the history, traditions, and customs of the destinations visited during the cruise, guest lecturers can provide passengers with a more meaningful and authentic experience. This can include guided tours, cultural demonstrations, or even language lessons.

If this sounds like you, read on to learn about the skills you will need to be a successful guest lecturer and the following steps to take to get you onboard!

Essential Skills

Successfully delivering educational content on a cruise ship requires a unique set of skills. Beyond your academic qualifications, consider the following:

  • Dynamic Presentation Skills: Cruise ship audiences consist of individuals from various backgrounds and age groups. It is crucial to present your material in an engaging, accessible, and entertaining manner.

  • Adaptability: Cruise ship schedules can change due to weather or other unforeseen circumstances. Flexibility and the ability to adapt to unexpected changes are essential traits for a guest speaker.

  • Interpersonal Skills: Building a connection with your audience is vital. A friendly and approachable demeanor will enhance the overall experience for passengers.

  • Tech Savvy: Familiarize yourself with the audiovisual equipment available on cruise ships. Being comfortable with technology ensures smooth presentations and minimizes technical hiccups.

Setting Sail on Your Guest Lecturer Journey

Before embarking on your journey as a guest lecturer, it's crucial to understand the application process. Cruise lines typically partner with agencies specializing in educational and entertainment programs. These agencies act as intermediaries, connecting skilled professionals with cruise ship opportunities.

Start the process by researching reputable enrichment agencies that work with the cruise lines you want to work with. These agencies can provide information on how to apply for guest speaker positions and connect you with the relevant cruise lines.

Once you've identified an agency to work with, it's essential to prepare a compelling resume or portfolio highlighting your educational background, expertise, and any relevant experience in public speaking or teaching. Ensure you emphasize your ability to engage and captivate an audience, which is crucial for success as a guest lecturer on a cruise ship.

In addition to a strong resume or portfolio, you'll also need to develop a riveting presentation proposal. Cruise lines are interested in unique and engaging topics that will captivate their diverse audience. While zoology or history seem to be obvious topics, you might be surprised by some other topics, including photography,

cooking, astronomy, and art. Tailor your presentation proposal to appeal to cruise ship passengers seeking education and entertainment.

Navigating the Insurance Waters

Before you can set sail, it's crucial to understand the cruise line’s health insurance requirements in your contract. Some cruise lines may provide coverage for you to buy while others may require you to purchase coverage from an approved provider. While coverage requirements vary across the cruise industry, many of the cruise lines require their guest lecturers to have at least $1M in coverage and coverage for emergency medical evacuation, repatriation, and Covid-19. Review your specific agreement for details.

At MHG Insurance, we specialize in health insurance plans for the marine industry. We would be happy to help you understand your health insurance requirements and find you the right plan for your specific situation. Plans typically include coverage for accidents and illnesses occurring on and off the ship, do not include work exclusions, and can be purchased online in just a few steps. If you have questions, or would like to get a health insurance quote, get in touch with us at mhginsurance.com.

Get ready to embark on an exhilarating voyage as a guest lecturer on a luxurious cruise ship! Learn about how to apply, create captivating presentations, and the logistics ensure a seamless experience. Find your guide to a rewarding and exciting career here!

The Resurgence of Travel Agents - The Resurgence of Travel Agents

In an age where technology has made booking flights and accommodations as easy as a few clicks, the resurgence of travel agents might seem surprising. However, the ability to include additional excursions and visits to multiple places in one vacation brings value to travel agents' personalized touch and expertise. This revival is not just about convenience but a comprehensive and seamless travel experience. Let's delve into the advantages of travel agents and the reasons behind their renewed popularity.

Personalized Service in a Digital World

As the travel industry embraces technology, it may seem like the human touch is diminishing. However, travelers realize that technology can't replace the insights and personalized service travel agents offer. Travel agents are coming back because they understand that each traveler is unique, with distinct preferences and requirements.

From crafting personalized itineraries to recommending hidden gems that algorithms might overlook, travel agents are becoming the go-to resource for those seeking a tailor-made travel experience. This personal touch creates a level of trust and comfort, especially when navigating the uncertainties of travel in a post-pandemic world.

Time-Saving Convenience

While the digital age has allowed us to book flights and accommodations online, it has also resulted in an overwhelming amount of information. Vacationers often spend hours researching options, reading reviews, and comparing prices. With their insider knowledge and industry connections, travel agents streamline this process. They can quickly narrow down choices based on the traveler's preferences and budget, saving valuable time and ensuring that every aspect of the trip aligns with the client's desires.

Navigating the Complexity of Travel Regulations

The travel landscape has become increasingly complex, with ever-changing regulations, entry requirements, and health protocols. Travelers are now faced with a myriad of considerations, from visa entry requirements and travel advisories. Navigating this maze of information is overwhelming, so travel agents are an easy way to stay ahead and ensure you have everything covered.

Travel agents also stay updated on the latest travel advisories and entry requirements, ensuring their clients have the most accurate and current information. This level of expertise has become invaluable, particularly for those who want to avoid last-minute hiccups and disruptions to their travel plans.

Negotiating Better Deals and Added Value

People in the industry often have access to exclusive deals, promotions, and packages that are not readily available to the general public. Due to their ongoing relationships with suppliers such as hotels, airlines, and tour operators, travel agents can negotiate better prices and secure additional perks for their clients. In addition, travel agents know the best insurance providers to work with to make sure your vacation is covered in the case of a cancellation or even an accident or illness while you are traveling. Travelers benefit not only from cost savings but also from added value that enhances the overall travel experience.

The Inside Scoop on How to Protect Your Trip

Travel agents are experts in making travel go smoothly, but if the unanticipated happens, they offer the best guidance on preparing for and dealing with it. They also have connections to insurance providers who are there to protect you and your trip and can get you the best coverage the industry has to offer.

MHG Insurance provides comprehensive travel insurance solutions that go beyond traditional coverage. From trip cancellation protection to emergency medical coverage, MHG Insurance understands the diverse needs of today's travelers. Travel agents appreciate the flexibility and customization options that MHG Insurance offers, allowing them to tailor insurance plans to meet their client's specific requirements.

Peace of Mind in Unpredictable Times

In an era marked by uncertainty, having reliable travel insurance is non-negotiable. MHG Insurance provides a safety net for travelers, offering coverage for unforeseen events such as trip cancellations, medical emergencies, and travel delays. This level of protection is a crucial factor for travelers who want peace of mind and assurance that their investment in a trip is safeguarded.

When unforeseen events disrupt travel plans, the human touch becomes even more critical. In times of crisis, having a dedicated professional who can guide and assist is invaluable. The combination of expert guidance from travel agents and the reliable support of MHG Insurance creates a safety net that extends far beyond the booking process.

In a world where uncertainties abound, travelers are seeking reassurance and reliability. The comprehensive coverage and personalized service offered by MHG Insurance, coupled with the expertise of travel agents, create a harmonious partnership that ensures clients can embark on their journeys with confidence and peace of mind.

To learn more about our world-class travel insurance, visit mhginsurance.com.

In an age where technology has made booking flights and accommodations as easy as a few clicks, the resurgence of travel agents might seem surprising. Let's delve into the advantages of travel agents and the reasons behind their renewed popularity.

How Much Money Could Trip Cancellation Insurance Save You? - How Much Money Could Trip Cancellation Insurance Save You?

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 

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. As your departure date approaches, life takes an unexpected turn. Without trip cancellation insurance, this could translate into a significant financial loss. Let's explore how trip cancellation insurance can save you money in various scenarios.

The Best Places in the World to Network for New Yacht Crew Jobs - The Best Places in the World to Network for New Yacht Crew Jobs

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.

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.

What it's like to work on a cruise ship? - 2

Many who seek to merge their passion for travel with their professional goals look towards working on a cruise ship. The job is a captivating choice, from breathtaking destinations to diverse job opportunities, and it's easy to understand why it's a coveted career path for many. Still, it's much different from an on-land 9-5. Here's what it's really like to work on a cruise ship.

The Rhythms of Cruise Ship Life

While the allure of travel is undeniable, life on each ship comes with a very unique rhythm and routine. The ship operates 24/7, which means that the work never truly stops. Employees often follow a rotating schedule, working for several weeks before enjoying a period off at various ports. While this is a demanding schedule, it offers a chance to build close relationships with coworkers and form a tight-knit community.

A Melting Pot of Cultures and Professions

Cruise ships are like microcosms of society, housing a diverse range of people and professions, which means there is almost always a place for you. From the ship's officers and crew to hospitality staff and entertainers, the ship becomes a melting pot of cultures and professions. Interacting with colleagues from various backgrounds fosters a sense of camaraderie and offers opportunities for personal growth and learning. Whether you're a chef, a housekeeper, a musician, or a fitness instructor, there's a place for diverse skill sets and experiences on board. 

Challenges on the Horizon

Working on a cruise ship isn't always smooth sailing. Close living quarters, long working hours, lack of consistency, and separation from loved ones often present challenges. Crew members may experience homesickness and isolation from being at sea for extended periods. Moreover, adapting to the constantly changing environment can be daunting, as employees must quickly adjust to new destinations, passengers, and cultural norms.

Rewards Beyond Measure

Despite the challenges, a career at sea offers rewards that go beyond financial compensation. The opportunity to see the world, make lifelong friendships, and develop valuable skills is an invaluable aspect of shipboard life. Many employees find that the experiences gained at sea profoundly impact their personal and professional growth. Moreover, interacting with passengers from diverse backgrounds allows for meaningful connections and creating lasting memories, a chance that is hard to come by working in a less diverse field.

Navigating the Future

As the travel industry evolves, so does the world of cruise ships. The industry constantly innovates to provide cruise guests new experiences, from onboard entertainment to shore excursions. These enrichments can transcend to new technologies and trends, which can be exciting and challenging for employees. As sustainability becomes a more pressing concern, cruise lines also focus on eco-friendly practices, providing opportunities for employees to contribute to a greener future.

Working on a cruise ship offers a unique opportunity for adventure, camaraderie, and personal growth. Consider stepping aboard and setting sail into a world of endless possibilities, it may just be the right challenge for you.

Since 1991, MHG has been an expert in health insurance plans for officers and crew. If you would like to speak to an insurance specialist today about insurance coverage that could benefit you, visit mhginsurance.com.

Working on a cruise ship differs from a land-based job, as you might expect. Here are the answers to many people's questions about working on a cruise ship.