Purchasing mission trip medical insurance should be considered for international assignments before you travel to serve others. Many unforeseen circumstances may arise during a missionary trip where missionary travel insurance would prove to be immensely helpful.
Missionary trips tend to face different unforeseen risks and unexpected circumstances that are not present compared to regular international travel for a vacation abroad. Before you go, you can prepare for many of those risks just by purchasing mission trip medical insurance. Some situations that could occur and coverages available to help are listed below for international missionary volunteers.
Unexpected Injury or Illness
Many missionaries have not traveled to other parts of the world before, or they are simply not in a physical condition capable of handling the tough situations they might face in underdeveloped parts of the world with poor facilities.
If you were to become unexpectedly sick or injured, you may need the coverage for a local ambulance, hospital room and board, ICU, surgery, prescription medicines, and more.
Emergency Medical Evacuation
Many missionary workers are sent to remote areas of countries where medical facilities are scarce or not present, and the nearest hospital is hundreds of miles away. It's likely that the hospital hundreds of miles away isn't even equipped to provide adequate medical treatment for serious conditions, which may put you in a life threatening emergency situation.
If you were to get seriously sick or injured and need transportation to a location where adequate medical care is available, emergency medical evacuation coverage can cover the expenses for emergency air or ground transportation. This can be a difference between life or death for some missionarys.
Loss of Checked Luggage
If your airline loses your checked luggage, you will have to pay out of your pocket to replace clothes and essential toiletries, even if it's no fault of your own.
Mission trip medical insurance can provide from $250 to $500 or more of coverage for loss of checked luggage.
Mandated by Visa Application Rules
Many countries require that you have mission trip medical insurance before your visa is approved.
In these cases, it is not only necessary to purchase missionary travel insurance, but it is also mandated by visa application rules.
In today's world, terrorist attacks can occur anywhere, even when there are no travel warnings. If you receive an injury in such attack, you could have very large medical bills.
Fortunately, many mission trip insurance plans would provide the coverage necessary for this situation.
Accidental Death & Dismemberment
The future can be unpredictable. There is always a chance that a person could die unexpectedly in an accident during the mission trip.
In this case, the missionaries travel insurance would provide a lump sum amount to the beneficiary, and pay for the transportation expenses to send mortal remains home to their principal residence.
Kidnap and Ransom
Some travel insurance plans provide coverage for kidnapping, ransoms, and personal belongings surrendered during a kidnapping.
If a particular plan does not provide this coverage, you can purchase separate Kidnap and Ransom Insurance coverage.
Missionary trip medical insurance is available for both individuals, and groups of 5 or more.