This video on English Voicemail Greeting Sample covers the key areas of English pronunciation such as double / diphthong vowels, long vowels, word stress and word endings and more.
Having a dedicated emergency contact will help make sure anything important that comes up is taken care of. Another option is directing callers to a separate answering service.

Context does matter here. If the caller would reasonably expect you to answer the phone (such as if they were calling a store or other place of business), an apology for not being able to get to the phone makes the most sense.
Keep it Brief. Time is money in business, so if your voicemail is long, chances are the caller will simply disengage before the cue to leave a message even sounds. Keep your voicemail short. The most should be around 30 seconds, and even that’s pressing it. We’ve grown into a country where our attention span can last only about 10 seconds in some cases, so keep it short, brief and to the point. Persuade and Engage the Caller. If someone calls your business, they already have an intention. It’s the quality of your voicemail that plays a factor if they consider you a company they’d like to deal with. This is your chance to motivate someone to engage in a meaningful conversation with you. If your voicemail is shoddy, chances are they’ll hang up, or lose motivation to continue the call. In other words, your voice mail must engage and entice someone to the point that they care enough to leave you a message.