Why Buy Foreign Travel Insurance?
Our Mission is Protecting Yours.®
Short-term foreign mission trips can provide major ministry impact in a small amount of time, but don't let their length lead you to believe that they're always trouble-free.
During times of crisis, travel insurance can be invaluable. For example, if someone on your mission team were seriously injured in a car accident in a third-world country, what would you do?
Medical treatment abroad isn’t always comparable to that at home. You may spend hundreds of dollars—upfront—to be admitted to a hospital. Hospital staff may not speak your language, and the doctors may not have the skill, tools, or medication that your condition requires for treatment. These factors can turn even a simple asthma attack into a life-threatening situation.
To make matters worse, many domestic health insurance policies don’t cover medical expenses incurred in a foreign country. If they do, they reimburse travelers at a lower rate than in the United States. Air evacuations, which average $35,000, are seldom covered. These are some of the reasons why foreign medical insurance is so important.
Buying a travel insurance policy that covers these types of expenses not only provides protection but also peace of mind.
Which Type of Insurance?
Knowing which type of insurance and how much to buy depends on your situation. Foreign medical insurance is a must, but you may want to consider adding foreign liability or trip cancellation insurance. Low coverage limits or high deductibles are options that can help you manage costs, making this type of insurance very affordable. Your agent can discuss various options with you.
Foreign Medical Insurance A Passport to Ministry policy could provide a hospital admission deposit, give you access to foreign translators, and arrange for a U.S. specialist to fly to your bedside. It can also help a family member visit you in the foreign hospital and pay for an air ambulance flight to the nearest qualified hospital—even if that means flying all the way back to the United States.
Foreign Liability Insurance This coverage can protect you from liability-related claims about emotional injuries caused by your missionary team. It’s especially helpful if you’re working in an area hostile to Christians or Americans.
Foreign Contingent Auto Liability Be sure to purchase this liability coverage if your team will be driving rented vehicles or hiring a local person to drive. Having this liability coverage can protect you from legal entanglements in the event of an accident. Since foreign laws differ drastically from American ones, this protection can be vital.
Trip Cancellation Insurance If your travel expenses are high, this coverage may be important. Your expenses will be reimbursed if you cancel your trip for a host of reasons, including sickness, injury, or loss of job.
Other Services Your travel insurance policy may include other valuable services, such as emergency prescription drug replacement, English-speaking translators you can reach by cell phone (24 hours a day), and emergency cash advances. For example, if your wallet is stolen, your travel assistance provider will arrange an emergency cash advance for you, which you can reimburse later.
Get the Details: Visit our Program Details page for more information about Passport to Ministry's three options for coverage and assistance services.
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.
