There are a lot of different types of plans that fall into the general category of “travel insurance,” but what they have in common is they involved international travel. Travel insurance plans may include coverage for medical care abroad, evacuation coverage, and trip cancellation coverage. They can cover things as grisly as repatriation of remains and as mundane as lost luggage.
The simple answer is: Stuff happens! In all seriousness, when you travel internationally there’s a good chance your insurance doesn’t travel with you, and you’re therefore exposed to significant financial risk in the event something terrible happens. You could get really sick or you could be injured. You may have to be evacuated due to a medical event, a political event, terrorism, or a natural disaster (think earthquakes, tsunamis, hurricanes, etc.).
We hope you do! But in all likelihood, that coverage is going to stay at home while you travel abroad. If it does go with you, it will probably take the form of “out-of-network coverage” that will result in higher deductibles and lower benefits. Travel insurance can save you a lot of money and isn’t very expensive.
Great question! It says a lot that you begin here, and so we’ll be happy to help. We believe that God is sovereign and that He does provide for our needs and help us in times of trouble. But we also believe that He ordains the means of that help and that He calls us to be wise. Now, to be sure, the Bible doesn’t talk about “insurance,” but we believe there is support for the wisdom of having it.
Two texts come to mind: While it is not the primary point of the text, we believe that Luke 14:28-29 speaks to the fact that we should plan carefully and wisely before undertaking a project (like a mission trip!). In James 4:13-14, the apostle reminds his readers that, even though they make plans “to go into such and such a town,” they can’t know what will happen – “you do not know what tomorrow will bring.”
We’re really glad you asked! If you’re planning to participate in organized sports on your trip, you’ll want to pay a little bit extra for the optional “sports rider” so that you’d be covered in the event of injury. If you’re a professional athlete (i.e. you’re being paid to play), this coverage won’t be available. Make sure you talk to us about your plans so we can make sure you’re covered.
Generally these will be covered under the optional sports rider. If you’re talking really extreme, people-think-you’re-a-lunatic type sports, contact us to talk about specifics.
In some parts of the world, motorcycles are a primary means of transportation, and they’re not covered under most normal policies. To be covered in the event of a motorcycle accident, you’ll need to have the optional sports rider on your policy.
There are a handful of countries where travel insurance coverage will not be available. The list is subject to change, so contact us to talk about the specifics of your case.
You’ll want to hang on to any and all paperwork and receipts that come about due to medical care. You will need to file a claim with your insurance provider. Sometimes these can be processed very quickly, but you may have to pay for care and be reimbursed later. You will have 24/7 access to help from your insurance carrier if you have any questions or concerns.
Not all policies cover pre-existing conditions, so check with us if this is a concern. There are policies that cover pre-existing conditions, and a couple others that cover “acute onset” of a pre-existing condition.
Routine pregnancy issues will not be covered, but you can likely get coverage for complications of pregnancy up through 26 weeks of a pregnancy. (After that you probably won’t want to be traveling anyway!)
Most of the policies we sell include a provision that will take care of getting your child home if you are hospitalized or incapacitated.