Missionary & Ministry Coverage

Serving away from home can create some very different coverage needs.

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A short-term mission team, a missionary family living overseas, and a ministry employee traveling internationally may all need protection — but not necessarily the same protection.

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The starting point is understanding who is traveling, where they are going, how long they will be there, and what coverage they already have.

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Medical coverage is only part of the question.

An unexpected illness or injury overseas can quickly become more than a medical problem. In some locations, appropriate care may simply not be available nearby.

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That makes emergency medical evacuation particularly important for missionaries and mission teams.

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Depending on the coverage selected, international plans may also address:

• Emergency medical treatment

• Emergency medical evacuation and transportation

• Repatriation

• Trip interruption or cancellation

• Lost or delayed baggage

• Other travel-related emergencies

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Short trip, repeated travel, or long-term assignment?

Short-term mission teams may need coverage designed around a specific trip and its dates.

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Frequent or intermittent travelers — such as ministry leaders, missionaries, or others making multiple international trips — may benefit from coverage designed for repeated travel during a designated period rather than arranging separate coverage for every trip.

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Longer-term missionaries and families may need international medical coverage designed for people actually living and serving outside the United States.

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Different patterns of travel create different coverage needs — and deserve different solutions.

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For churches and ministry organizations

Sending people overseas also creates questions for the organization sending them.

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Navigator can help churches and ministry organizations think through coverage for an individual missionary, a family, or a group traveling together — including the very practical question:

• If someone becomes seriously ill or injured, how do we get them to appropriate care?

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Understand the mission. Understand the risks. Choose coverage that fits the assignment.

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→ Explore Missionary & Ministry Coverage Options

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Not sure which type of coverage fits?

Tell me where you’re going, how long you’ll be there, and what you’re trying to protect. We can start there.

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→ Contact Navigator Benefits

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