Program Details
Passport to Ministry | Option 1*
This is our most comprehensive package—providing liability, medical, travel, and security protection and services for ministry workers traveling outside the United States, including:
- Medical expenses: accident and sickness
- Accidental death and dismemberment
- Medical emergency family reunion (bedside visit)
- Hospital admission deposit advance
- Foreign medical referral service
- Medical monitoring service
- Prescription drug replacement service
- Medical assistance:
- Benefits verification and claims assistance
- Embassy and consular information
- Emergency cash advance
- Emergency family travel arrangement assistance
- Emergency message transmission
- Foreign legal access
- Return of rental vehicle
- Return of traveling companion or dependents
- Translation and interpretation
- Contingency political evacuation planning
- Political evacuation
- Security crisis center
- Travel security information
- Foreign liability insurance (A $1,000,000 limit is provided.)
This benefit covers your organization and its travelers for liability-based lawsuits brought in another country. It includes unique coverages such as:- Religious communication/religious activity liability
Your organization and its travelers will be covered for claims of emotional injury arising out of religious messages they share or religious actions they take. For example, coverage would apply to a suit brought by the family of a child who converts to Christianity as a result of the message you've presented.* - Criminal allegation defense reimbursement
(A $5,000 sublimit per person per policy period is provided.)
If your trip participants are accused of committing a criminal or religious offense in the country where they're serving, your organization will be reimbursed for designated legal expenses arising from their defense, including attorney fees.*
- Religious communication/religious activity liability
- Employer's liability insurance (A $1,000,000 limit is provided.)
Your organization will be covered for employee lawsuits resulting from a foreign occupational injury or illness not otherwise covered by workers' compensation insurance.*
- Foreign contingent auto liability insurance (A $1,000,000 limit is provided.)
Your organization and its travelers will be covered for liability when driving an owned, rented, or borrowed vehicle in a foreign country.
Though this coverage does not fulfill the minimum auto liability requirement for foreign countries, it does apply after any primary auto liability insurance purchased to cover a vehicle operated in a foreign country. It does not provide any physical damage coverage for the vehicle.*
- Foreign voluntary compensation insurance
(Coverage limits vary, depending on your state.)
This benefit provides covereage for your employees when your own workers' compensation insurance does not apply to foreign losses. It covers expesnes reulting from occupational injuries or illnesses that occur while your employee is working in a foreign country. Coverage typically includes medical expenses, disability, rehabilitation, and death benefits.*
- Medical expenses: accident and sickness
(Limit options of $100,000; $50,000; $25,000; or $10,000 per person are available.)This benefit protects your organization's volunteers employees against medical expenses resulting from an accident or travel-related sickness during your mission. No deductible applies to medical expenses related to an accident or sickness. This benefit is coordinated with, and pays after, any other primary medical coverage available to the trip participants.
This benefit does not apply to sickness-based expenses arising from pre-existing health conditions not related to foreign travel exposures. The traveler must look solely to his or her own major-medical coverage for reimbursement for such pre-existing sickness expenses should they require treatment while in a foreign country. Under most major-medical plans, significant out-of-pocket expenses are likely if treatment is provided out of network.
As a practical matter, employees or volunteer participants with serious medical conditions should not be permitted to join your foreign travel group.
- Accidental death and dismemberment
(Limit options of $100,000; $50,000; $25,000; or $10,000 per person are available.)
Note: The limit option will match that selected for the accidental medical and sickness coverage up to $2,000,000 per policy year.This benefit will cover your organization's employees and volunteers against the accidental loss of life, hand, foot, or sight.
- Medical emergency family reunion (bedside visit)
(See actual policy forms for coverage and service details.)If the traveler is deemed gravely ill by our travel assistance provider, we will pay the cost of up to two family members (or other designated individuals) to visit the injured person for up to seven days.
- Hospital admission deposit advance
(A $10,000 limit is provided.)If one of your employee or volunteer participants needs hospital medical services during your mission trip and a deposit is required for an emergency hospital admission, we will guarantee payment of an emergency hospital admission deposit up to $10,000.
Unless incurred medical expenses are otherwise covered by insurance under your Passport to Ministry program, you or your employee or volunteer participant will repay any such deposit to us within 45 days (without interest).
Many of your travelers are likely to have some available major-medical insurance protection. Since domestic major-medical providers are unfamiliar with working with foreign medical facilities, delays in authorizing admittance to foreign medical facilities are likely. Our hospital admission deposit service can help minimize admission delays into a foreign medical facility.
- Foreign medical referral service
Upon request, our travel assistance provider will furnish pre-trip medical referral information to you regarding countries and regions your employees and volunteer participants plan to visit. The information includes local multilingual doctors, along with addresses and phone numbers for the nearest hospitals. - Medical monitoring service
If your employee or volunteer participants are hospitalized overseas, our travel assistance provider will monitor their medical condition and will regularly provide condition reports to a person designated by the injured traveler. - Prescription drug replacement service
If an employee or volunteer requires prescription medication that is not available locally, our travel assistance provider will make arrangements to transport the medication, when possible and legally permissible, at the prescribing physician's request. The employee or volunteer participant is responsible for the cost of both the medication and the transportation. - Medical assistance
(A $500,000 limit is provided.)This benefit protects your organization and its employee and volunteer members for expenses associated with any of the following services:
- Medical assistance: Dispatch of a doctor or specialist
If our service provider determines that a doctor or specialist must be sent to an injured participant's location to adequately assess a serious medical condition, we will pay the physician's travel expenses. The physician's fees may be recoverable under medical insurance benefits provided elsewhere through major-medical insurance (if available) or under accidental medical benefits provided in this program. - Medical assistance: Emergency medical evacuation
If our service provider determines that adequate medical facilities are not available at the site of your mission activity, we will arrange and pay for one emergency medical evacuation, under medical supervision if necessary, to the nearest location with adequate facilities.We will also pay the cost of one family member or other traveling companion to accompany the injured person during the evacuation if it is reasonably possible to do so. For the person who accompanies the injured person, our obligation is limited to the cost of airfare and an incidental travel expense allowance of $300 per day up to a $5,000 maximum evacuation expense allowance.
- Medical assistance: Medically necessary repatriation
If our service provider determines that it is medically necessary to move the injured person to a facility in the United States, we will arrange and pay for one repatriation, under medical supervision if necessary, after the injured person is stabilized.We will arrange and pay the cost of one family member or other traveling companion to continue to accompany the injured person during repatriation, if it is reasonably possible to do so. For the person who accompanies the injured person during repatriation, our obligation is limited to the cost of airfare and an incidental travel expense allowance of $300 per day up to a $5,000 maximum repatriation expense allowance.
- Medical assistance: Return of mortal remains
In an employee or volunteer dies while in foreign territory, our service provider will do everything possible to obtain necessary clearances and arrange for the return of the mortal remains.
We will pay reasonable expenses associated with such return, including the cost of embalming to meet any applicable health requirements. We will also pay the cost of one family member or other traveling companion to continue to accompany the mortal remains, if it is reasonably possible to do so. For the person that accompanies the deceased, our obligation is limited to the cost of airfare and an incidental travel expense allowance of $300 per day up to a $5,000 maximum repatriation expense allowance.
- Benefits verification and claims assistance
Our service provider will help your mission participants verify their medical insurance benefits when they are hospitalized in a foreign country. Upon request, our provider will also help coordinate foreign claims with available domestic workers' compensation or medical insurance that may apply to cover expenses. - Embassy and consular information
Our service provider will furnish contact information for embassies and consulates anywhere in the world. - Emergency cash advance
Our service provider will issue a cash advance of up to $1,000 in local currency for emergency purposes. You or the borrower would then repay the cash advance to us within 45 days (without interest). - Emergency family travel assistance
Upon request, our service provider will coordinate emergency travel arrangements for family members who need to join a hospitalized mission participant or to accompany the mortal remains of a deceased traveler. The costs of travel are the family members' responsibility. - Emergency message transmission
Upon request, our service provider will make reasonable efforts to receive and transmit emergency messages between your travelers and you. - Foreign legal access
Upon request, our service provider will introduce your mission participants to local attorneys. Assistance will also be provided in obtaining bail bonds in those areas where such bonds are customarily issued.Unless otherwise covered by your Passport to Ministry policy, the employee or volunteer participant is responsible for contracted legal fees.
- Return of rental vehicle
If a mission participant is hospitalized or evacuated, our service provider will arrange, but not pay the cost, to have the traveler's unattended vehicle returned to the rental agency or current place of residence in the foreign country. - Return of traveling companion/dependent
When our service provider arranges for the hospitalization or evacuation of a mission participant, a traveling companion's or dependent's air ticket may no longer be usable. In these cases, our assistance provider will arrange, but not pay the cost of, one-way air transportation for the companion or dependent. Transportation will be arranged for the companion to rejoin your traveling group, or to the companion's place of residence. - Translation and interpretation
If you need a translator or interpreter, our service provider will furnish personal emergency translation services, as well as referrals to interpreter services. If your mission participant requires personal presence or other customized interpreter services, your participant must pay the local cost of these services.
- Contingency political evacuation planning
Upon request, our security provider will arrange, but not pay for, evacuation contingency planning for intended travel locations.Evacuation contingency planning consists of an on-site evaluation and recommendations for evacuating your travelers in the event of an emergency or crisis situation that could pose an imminent threat to the personal security of your employee or volunteer participants.
- Political evacuation
Upon request, our security provider will arrange, but not pay the cost for, evacuation for travelers whose personal security is threatened by any political instability or civil unrest. Evacuation will be made to a safe location at the earliest possible time.If evacuation is not reasonably possible for any reason, our security provider will attempt to maintain regular contact with your employee or volunteer travelers until the threat to personal security is abated or evacuation becomes reasonably possible.
- Security crisis center
Upon request, our security provider will give you access to an analyst that can provide an oral briefing on the available information regarding threats posed in a particular country. Threats may arise from criminal or terrorist activities or political or civil unrest.This service is provided free of charge to our Passport to Ministry policyholders. Information obtained from this service must be used exclusively by our Passport to Ministry policyholders, including employees and volunteer participants, and may not be shared with other parties.
- Travel security information
Our security assistance provider will furnish access to the CityBrief Web site. This site provides information regarding the risks posed by crime, terrorism, and civil unrest in countries throughout the world.This service is provided free of charge to our Passport to Ministry policyholders. Information obtained from this site must be used exclusively by our Passport to Ministry policyholders, including employees and volunteer participants, and may not be shared with other parties.
View Details for Other Options:
Passport to Ministry | Option 2*
This option focuses on medical and travel insurance for ministry workers traveling outside the United States.
Passport to Ministry | Option 3*
This option provides ministry workers with trip cancellation/interruption coverage, lost baggage coverage, and a basic medical package.
View a printable version (PDF, 196 Kb) of the Passport to Ministry Option 1 package details.
Get a Quote: For a free, no-obligation quote, contact your Brotherhood Mutual agent, contact us, or visit our online premium calculator.
Apply Today: You can apply for Passport to Ministry online or by contacting your Brotherhood Mutual agent.
Contact Us: For more information about Brotherhood Mutual’s Passport to Ministry program, contact your Brotherhood Mutual agent, call us at 1-800-876-4994 or e-mail us at passport@brotherhoodmutual.com.
Note: This Web page is a summary of the benefits offered in our Passport to Ministry insurance program. It provides a brief description of the coverages and services available under this option. The Web site itself does not provide coverage of any kind, nor does it modify the terms of any policy. All property and liability coverages are subject to conditions, coverage limits, limitations, and exclusions. For precise details of coverage, please refer to actual policy forms.
*Brotherhood Mutual offers Passport to Ministry® Option 1 through ACE American Insurance Company, Wilmington, Delaware and Passport to Ministry® Options 2 & 3 through Seven Corners, Inc. Indianapolis, Indiana. Both ACE American Insurance Company and Seven Corners are independent providers of comprehensive insurance plans for international travelers and missionaries.
Option 2, Seven Corners’ Liaison Majestic® coverage, is administered by Seven Corners, Inc. and underwritten by the Insurance Company of the State of Pennsylvania, a member of the company of the American International Group of Companies (AIG), rated A “Excellent” by A.M. Best. Option 3, Seven Corners’ Roundtrip International® coverage, is administered by Seven Corners, Inc. and underwritten by Nationwide® Mutual Insurance Company, Nationwide® Life Insurance Company and Nationwide® Mutual Fire Insurance Company.