Missionary Travel Insurance

Do missionaries need travel insurance?

Absolutely! Here’s why:

It’s required

Most mission trips require travel insurance. While some organisations offer a group plan, smaller outfits may ask volunteers to provide their own. Check with your group to see what kind of coverage you need.

Location

Is the location under a government travel warning? Does the policy cover all areas on your itinerary?

Depending on where you go, you might need Kidnap and Ransom and Acts of Terrorism cover.

Medical emergencies

Even healthy people can break a leg in a remote location or come down with a bug that local health centres can’t treat adequately. Given new commercial flight restrictions, people who are unwell may not have any other option than to medically evacuate.

Medical Evacuation and Repatriation policies aren’t expensive compared to the price of a medical chopper and trained flight crew. Out-of-pocket costs for medical evacuations ain’t cheap!

Gear

Key for missionaries: Lost/Stolen Baggage cover. Luggage often contains supplies for the mission that could be difficult to source in the destination country. Those documenting the trip should also consider coverage for tech, including laptops, cameras, and lenses.

Trip cancellation/delays

Mission trips don’t happen on the fly. Booking a trip in advance saves participants money, but it won’t prevent hurricanes, acts of unrest or terror attacks. Read your policy carefully to ensure that you’re covered.

As many missions take place in countries with less-than-reliable transportation infrastructures, Trip Delay/Cancellation insurance guarantees you’ll get there (and back), without paying for a second ticket.

Makaratasi, papye, karya kertas, paperwork

Your policy is pointless if officials can’t read it. Ideal insurance policies offer local advocates well-versed in the culture and languages of the region. When shopping for insurance, ask if there is a services provider in the area who can act on your behalf for translating documents, navigating government systems and speaking to health care providers.

The takeaway

Essential: get insurance with a company that meets your specific needs, your activities during the trip and your destination.

battleface offers travel medical policies backed by a global network of on-the-ground trained medical and assistance services professionals. The policy covers areas of conflict and destinations under government travel warnings. Policyholders can customise plans to adjust cover for medical expenses, baggage, trip delay and more. They can also add Crisis Response, an assistance plan for victims of violent crimes, wrongful detention, mysterious disappearance, kidnapping, blackmail, extortion, political threats, hijacking, and acts of terrorism.