Mission Trip Insurance, Short-term & Long-term Plans

Reaching out and providing spiritual and physical support is your mission. To maximize the outreach experience and provide the security needed in adverse surroundings, IMG offers several international medical plans tailored to meet the needs of mission-sending organizations, churches and missionaries.

IMG wants to encourage your mission's success by providing comprehensive benefits, such as 24/7 assistance, emergency evacuations, repatriation, and trip cancellation protection.

You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. Learn more about IMG's plans for small or large mission groups, short or long term, and get Global Peace of Mind®.

Popular Plans
For Mission & Social Good Trips

Global Mission Medical Insurance

Annually renewable worldwide medical insurance program for missionaries

Highlights

Long-term (1+ year) worldwide medical insurance for missionaries
Annually renewable medical coverage
Deductible options from $0 to $25,000
Maximum limit options from $1,000,000 to $8,000,000

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Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information

Outreach Travel Medical Insurance

Temporary health insurance for missionaries and mission groups

Highlights

Travel medical insurance for missionaries and mission groups
Renewable up to 24 months
Deductible options from $0 to $2,500
Maximum limits from $50,000 to $1,000,000
Coverage for medical expenses, evacuation, and repatriation

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MP+ International

Worldwide employer-sponsored group health insurance for mission groups

Highlights

Worldwide employer-sponsored group health insurance for mission groups
Unique plan features that promote premium stability
Continuous coverage overseas and while on furlough
Direct billing to overseas medical providers

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Why Do I Need Mission Trip Insurance?

It’s important to consider that your own domestic health insurance may not cover you outside of your home country. Depending on your destination, local medical facilities may require proof of insurance before they administer any treatment, or they may not have the resources to treat you properly, thus requiring a medical evacuation. While many churches and mission groups take care of a majority of the arrangements for your trip, you should make sure you understand the basics of your insurance plan before you leave. IMG has built trusted relationships with missionary organizations since 1990 and can offer you the protection you need.

How Much Does Mission Trip Insurance Cost?

Our short-term missionary insurance plans are designed for individuals and groups. These plans average around $2.00 per day for all ages (based on trip length and benefit levels). We also offer insurance options for long-term coverage ideal for career missionaries that vary in price depending on your age and health.

What types of trips qualify for Mission Insurance?

Faith Based

According to a Globus Religious Travel Study, over 16 million people plan on taking a religious-affiliated trip at some point in their life. Nearly half of them will book that trip through their church, which makes up the most common type of trip that qualifies for mission insurance: a short-term trip with a faith based group in effort to spread awareness.

Disaster Relief

Sometimes people are driven into action by the unexpected. Disaster relief trips are a great way to contribute to a time-sensitive cause that may hit close to home.

Social Good

For those seeking to help a cause without a religious affiliation, social good trips are an excellent choice. Social good trips may offer a vacation, while also including a rewarding volunteer experience. These trips are often available through non-profit organizations.

Other Types of Trips

Mission trips have evolved into many niches over the years, allowing you to find a trip that fits your needs. Some examples include gap year mission trips, adult mission trips, world races, and many more.

What Does Mission Trip Insurance Cover?
Subject to certain policy limitations, our plans are designed to provide travelers with benefits including:

Trip Interruption

Provides coverage if you need to return home from your trip early due to covered reasons such as a death of an immediate family member.

Emergency Medical Evacuation

This benefit can provide cover for an emergency medical evacuation to the nearest qualified medical facility, expenses for transportation resulting from the evacuation, and the cost of returning the insured to either their home country or the country where the evacuation occurred.

Natural Disasters

Mother Nature has a mind of her own. This benefit can cover you if you are displaced due to an event such as an earthquake, hurricane, tsunami or tornado.

Emergency Illness or Injury

If you were to fall ill or injured during your mission trip, this benefit could help cover the expenses for medical care.

Leave Your Mark
IMG's Annual Global Outreach Contest

International Medical Group® (IMG®) has earned a reputation for excellence and dependability within the missionary community. Each year, IMG hosts an essay contest as our way of giving back. The global outreach essay contest offers mission organizations a chance to win $5,000. Get more information about the contest and read about last year’s winners here!

Recent Blog Articles

IMG's 2020 'School The World' Corporate Trip

Aug 12, 2020

Frequently Asked Questions

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.

What should I do if the worst happens and I need to go to a hospital while on a mission Trip?

IMG plans provide you access to more than 17,000 providers through our International Provider Access (IPA) while you're outside of the United States. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip.

What mission focused benefits are included in these plans?

In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. See your plan befits information for more!

How long does it take to process my application and receive my ID card and other documents?

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.

Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Maximum Limits	Individual: $50,000, $100,000, $500,000, $1,000,000, $2,000,000 Group: $100,000, $250,000, $1,000,000
Individual Deductible	Individual: $0, $100, $250, $500, $1,000 or $2,500 Group: $0, $100, $250 On the Application Form, you will be asked to circle your choice of a deductible. Your premium rate is dependent on the deductible you choose. Please see the Application Form for more information.
Coinsurance	For treatment received outside the U.S. & Canada: No coinsurance For treatment received within the U.S. & Canada: In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
Benefit Period	Three months If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the three-month Benefit Period may offer continued coverage for that injury or illness. When the Certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than three months before the Period of Coverage expired, benefits for the covered injury or illness continues. This is subject to the Maximum Limits and the other terms of the plan until there have been three months of continuous coverage for the covered injury or illness.

Eligible Medical Expenses	Up to the maximum limit
COVID-19 / SARS-CoV-2 Coverage	COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance
Physician Visits / Services	Up to the maximum limit
Hospital Emergency Room: Inside the U.S.	Up to the maximum limit Injury: not subject to additional deductible Illness: additional $250 deductible if not admitted
Hospital Emergency Room: Outside the U.S.	Up to the Maximum Limit
Hospitalization / Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care	Up to the maximum limit
Outpatient Surgical / Hospital Facility	UUp to the maximum limit
Laboratory Up	Up to the maximum limit
Radiology / X-ray	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Surgery	Up to the maximum limit
Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeons eligible fee
Anesthesia	Up to the maximum limit
Durable Medical Equipment	Up to the maximum limit
Chiropractic Care Medical order or treatment plan required	Up to the maximum limit
Physical Therapy Treatment Medical order or treatment plan required	Up to the maximum limit
Extended Care Facility Upon direct transfer from an acute facility	Up to the maximum limit
Home Nursing Care Upon direct transfer from an acute facility Provided by a home health care agency	Up to the maximum limit

Emergency Medical Evacuation Must be approved in advance and coordinated by the company	$500,000 maximum limit
Emergency Reunion Must be approved in advance by the company	Up to $50,000 lifetime maximum
Political Evacuation & Repatriation Must be approved in advance by the company	Up to $10,000
Return of Minor Children Must be approved in advance by the company	Up to $50,000
Return of Mortal Remains or Cremation/Burial Must be approved in advance by the company	Up to $50,000 for return of mortal remains or $5,000 for cremation/burial

Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident	$25,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death	$50,000 per insured adult and $250,000 maximum limit per family. Not subject to deductible.
Emergency Dental Treatment	$100 maximum limit due to dental accident. Subject to deductible and coinsurance.
Traumatic Dental Injury Treatment at a hospital due to an accident	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Hospital Indemnity	$100 per overnight inpatient hospitaization, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft Assistance	Up to $500. Not subject to deductible
Lost Luggage	$50 per item, $250 maximum limit. Not subject to deductible.
Natural Disaster	$100 per day and maximum limit of 5 days for accommodations. Not subject to deductible.
Terrorism $	$50,000 maximum limit. Not subject to deductible.
Trip Interruption	Up to $5,000. Not subject to deductible

Area of Coverage	Worldwide
Maximum Limit per Lifetime	$1,000,000 standard, $5,000,000 option available
Deductible per Calendar Year	All deductibles apply worldwide and are per Insured person
Family Deductible per Calendar Year	Two deductibles per family
Emergency Room Deductible	An additional Deductible of $250 will be applied for each emergency room visit for treatment of an Illness which does not result in inpatient status.
Coinsurance per Calendar Year	For Treatment received outside of the U.S.: 0% For Treatment received within the U.S.: In the PPO Network – 20% of Eligible Medical Expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider – 15% of Eligible Medical Expenses until reaching $5,000, then 0% Outside the PPO Network – 40% of Eligible Medical Expenses until reaching $5,000, then 0%
Eligible Medical Expenses	URC
Hospital Room & Board	Up to the average semi-private room rate, including nursing service
Intensive Care Unit	Maximum of three times (3x) average semi-private room rate
Mental or Nervous Disorders	Outpatient Treatment: 50% of Eligible Medical Expenses and maximum of 40 visits per Insured Person per Calendar Year. Inpatient Treatment: Maximum of 30 days per Insured Person per Calendar Year
Physical Therapy	$2,500 Maximum per Calendar Year Within the U.S.: Medical order or treatment plan required Outside of the U.S.: Medical order or treatment plan required only for expenses over $1,000
Chiropractic Care	50% of Eligible Medical Expenses up to $500 Maximum per Calendar Year
Hospice	$7,500 lifetime maximum per Insured Person
Home Nursing Care	Limited to 30 days per Calendar Year
Extended Care Facility	Limited to 60 days per Calendar Year
Podiatry	$750 maximum per Calendar Year
Preventative Care	Up to $1,000 every 12 months. Not subject to deductible or coinsurance
Prescription Medication	Outside of the U.S.: URC Within the U.S.: Maximum of 90 day supply per prescription when using Universal Rx program along with the following copays: $15/Tier 1, $30/Tier 2, $60/Tier 3
Transplant	$500,000 lifetime maximum for covered transplants
Hospital Indemnity Benefit	Outside of the U.S. Private Hospitals: $400 per overnight and $4,000 Maximum per Calendar Year Public Hospitals: $500 per overnight and $5,000 Maximum per Calendar Year when Other Coverage exists and Company is not obligated to pay any benefits
Outpatient Physician/ Specialist Visit	Within the U.S. PPO Network, $25 Copay Within the U.S. outside the PPO and outside of the U.S.: Subject to deductible and coinsurance
Inter-Facility Ambulant Transfer	Within the U.S. Outside the PPO Network, Subject to deductible and coinsurance
Maternity and Newborn Care	Subject to deductible and coinsurance
Pregnancy Complications	Subject to deductible and coinsurance

Benefit	Bronze	Silver	Gold	Platinum
Lifetime Maximum Limit	$1,000,000 per individual	$5,000,000 per individual	$5,000,000 per individual	$8,000,000 per individual
Deductible (Per period of coverage)	$250 to $10,000	$250 to $10,000	$250 to $25,000	$100 to $25,000
Deductible Carry Forward	Included	Included	Included	Included
Treatment Outside the U.S.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO Network	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO Network	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Coinsurance	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%
Outpatient	$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays $500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient) Subject to deductible and coinsurance	$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays 25 combined maximum visits $70 per visit/examination – specialists/physician charges $50 per visit/examination – chiropractor charges $500 maximum limit – surgery intervention consultation charges Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Mental/Nervous	NA	Outpatient after 12 months of continuous coverage.	$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.	$50,000 lifetime maximum - Available after 12 months of continuous coverage
Hospital Emergency Room Injury	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Hospital Emergency Room Illness	Subject to deductible and coinsurance. Covered only if admitted as inpatient	Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient	Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient	Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board	Subject to deductible and coinsurance for average semi-private room rate	Subject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximum	Subject to deductible and coinsurance for average semi-private room rate	Subject to deductible and coinsurance for average private room rate
Intensive Care Unit	Subject to deductible and coinsurance	Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event	Subject to deductible and coinsurance	Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy	Subject to deductible and coinsurance. $600 maximum per examination	Subject to deductible and coinsurance. $600 maximum per examination	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Surgery	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Assistant Surgeon	20% of primary surgeon’s charge	20% of primary surgeon’s charge	20% of primary surgeon’s charge	20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Maternity Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)	NA	NA	NA	$2,500 additional deductible per pregnancy. $50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth. $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth
Podiatry Care	NA	NA	$750 maximum limit	$750 maximum limit
Physical Therapy	Subject to deductible and coinsurance. $40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery	Subject to deductible and coinsurance. $40 maximum per visit – 30 visit limit	Subject to deductible and coinsurance. $50 maximum per visit	Subject to deductible and coinsurance. $50 maximum per visit
Transplants	$250,000 lifetime maximum	$250,000 lifetime maximum	$1,000,000 lifetime maximum	$2,000,000 lifetime maximum
Prescription Coverage	Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event	Subject to deductible and coinsurance. 90-day supply per prescription following related covered event	Subject to deductible and coinsurance. 90-day supply per prescription	International - 100%. Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription
Adult Preventative Care (Age 19 or older)	NA	NA	$250 per period of coverage - not subject to deductible or coinsurance.	$500 per period of coverage - not subject to deductible or coinsurance.
Child Preventative Care (Through age 18)	NA	$70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance.	$200 maximum per period of coverage - not subject to deductible or coinsurance.	$400 maximum per period of coverage - not subject to deductible or coinsurance.
Healthy Travel Preventative Coverage	Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance.	Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance.	Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance.	Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance.
Vision	Optional Rider	Optional Rider	Optional Rider	Exams - up to $100 maximum per 24 months. Materials - up to $150 per 24 months.
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	$1,500 maximum limit per event - not subject to deductible or coinsurance.	$1,500 maximum limit per event - not subject to deductible or coinsurance.	Subject to deductible and coinsurance	Not subject to deductible and coinsurance
Emergency Evacuation	$50,000 maximum per period of coverage. Not subject to deductible or coinsurance.	$50,000 maximum per period of coverage. Not subject to deductible or coinsurance.	Up to maximum limit. Not subject to deductible or coinsurance.	Up to maximum limit. Not subject to deductible or coinsurance.
Emergency Reunion	$10,000 lifetime maximum. Not subject to deductible or coinsurance	NA	$10,000 lifetime maximum. Not subject to deductible or coinsurance	$10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)	$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only	$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only	Not subject to deductible or coinsurance. U.S. only	Not subject to deductible or coinsurance. U.S. only
Political Evacuation and Repatriation	NA	NA	NA	Up to $10,000 lifetime maximum
Remote Transportation	NA	NA	NA	$5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance
Return of Mortal Remains	$10,000 lifetime maximum - not subject to deductible or coinsurance.	$25,000 lifetime maximum - not subject to deductible or coinsurance.	$25,000 lifetime maximum - not subject to deductible or coinsurance.	$50,000 lifetime maximum - not subject to deductible or coinsurance.
Complementary Medicine	NA	NA	$500 maximum limit per period of coverage	$500 maximum limit per period of coverage
Traumatic Dental Injury Treatment at a hospital facility	$1,000 per period of coverage	$1,000 per period of coverage	Up to the lifetime maximum limit	Up to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth	NA	NA	$100 per period of coverage	100%
Non-Emergency Treatment at a Dental Provider due to an Accident	NA	NA	$500 per period of coverage	See Non-Emergency Dental benefit
Non-emergency Dental	Optional Rider	Optional Rider	Optional Rider	$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity (Outside the U.S. only)	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident	NA	NA	$300 of Eligible Medical Expenses following an accident	$500 of Eligible Medical Expenses following an accident
Pre-Existing Conditions Limitation	Excluded	$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.	$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted.	NA

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Mission Trip Insurance Plans

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Why Do I Need Mission Trip Insurance?

How Much Does Mission Trip Insurance Cost?

What types of trips qualify for Mission Insurance?

Faith Based

Disaster Relief

Social Good

Other Types of Trips

What Does Mission Trip Insurance Cover? Subject to certain policy limitations, our plans are designed to provide travelers with benefits including:

Trip Interruption

Emergency Medical Evacuation

Natural Disasters

Emergency Illness or Injury

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What Does Mission Trip Insurance Cover?
Subject to certain policy limitations, our plans are designed to provide travelers with benefits including:

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