Is construction and manual labor on mission trips covered?

Yes. Emergency medical treatment for injuries sustained during mission work — construction, roofing, painting, farming, digging — is covered under standard visitor insurance. Confirm with the insurer if activities are unusually hazardous (chainsaw work, electrical wiring, scaffolding above 20 feet).

Are we covered in countries with US travel advisories?

Most visitor insurance plans cover travel to Level 1 (Exercise Normal Precautions) and Level 2 (Exercise Increased Caution) countries without restriction. Coverage may be affected or excluded in Level 3 (Reconsider Travel) or Level 4 (Do Not Travel) destinations. Always check current State Department advisories before purchasing.

What if a team member needs to be evacuated mid-trip?

Contact the insurer's 24/7 emergency line immediately. They will assess the medical situation, authorize evacuation if warranted, and coordinate transport — often within 12–24 hours of authorization. The remaining team members continue coverage unaffected.

Can we purchase coverage for children on the mission team?

Yes. Minor missionaries (under 18) can be added to the group policy at reduced rates. For youth-led teams, coverage is available from age 14 upward on most plans.

Who should be the policy owner — the church or the mission organization?

Either can be the policy owner. The church or sending organization typically purchases the group policy and distributes coverage certificates to team members. This simplifies billing and ensures consistent coverage across the entire team.

👥Mission Teams · 6–40 travelers

Mission Trip Travel Insurance

Emergency medical and evacuation coverage for missionaries and short-term mission teams.

Get Group Quotes →📞 (832) 856-1704

Go where you're called. Go covered.

Short-term mission trips take teams into some of the world's most medically under-resourced regions. The combination of physical service work, unfamiliar food and water, and limited local healthcare makes medical insurance and evacuation coverage critical — not optional. A single emergency evacuation from rural Africa or Central America can cost $150,000 without coverage.

What Group Travel Insurance Covers

Emergency Medical in Remote Areas

Full medical coverage regardless of the mission site location — from urban hospitals to remote clinics, with 24/7 coordination by the insurer's medical team.

Emergency Evacuation

Air ambulance transport to the nearest adequate medical facility. The most critical benefit for teams working in regions with limited surgical or critical care infrastructure.

Acute Onset Pre-existing Conditions

Mission teams often include older church members with health histories. Acute onset coverage protects them against sudden cardiac, respiratory, or neurological emergencies.

Repatriation

In the event of death, ensures the missionary is returned home — relieving the church or sending organization of a potentially devastating logistical and financial burden.

Accidental Death & Dismemberment

Lump-sum benefit paid in the event of accidental death or permanent disability — a meaningful benefit for team members supporting families at home.

Cost by Group Size

Group Size	Per Person / Day	Est. Total
Youth team (ages 16–25, 8–15 people)	$0.80–$1.50/day	$48–$315 for 3-week trip
Adult team (ages 25–55, 10–20 people)	$1.10–$2.00/day	$77–$840 for 3-week trip
Mixed-age team (includes 60+ members)	$1.80–$3.50/day avg	$126–$1,470 for 3-week trip
Extended mission (1–3 months)	$0.90–$1.80/day avg	$81–$486/person per month