There are thousands of different missionaries around the world. Whether it is from the United States, The UK, Brazil, or other nations, many go to uncharted regions to share their faith with those unreached. With many going to places they have never traveled or even those with limited access to care, how can missionaries better prepare themselves for possible emergencies? Does the current insurance in their country provide protection for the unknown? The short answer is no, so what can they do? If you know a loved one called to serve, you might want to talk to them about travelers’ insurance.
What Is Travelers’ Insurance?
There are many different types of insurance available to missionaries, the most noteworthy being travelers. Travel insurance provides you with coverage that protects you from risks and losses that might occur while traveling. These can be minor losses like a lost suitcase or a medical emergency overseas. The benefits of travelers’ insurance vary from plan to plan.
Types Of Travelers’ Insurance
Travel insurance benefits can be broken down into six different categories. Pre-departure: includes trip cancellation. Post departure: includes trip interruption, delay in travel and change fees, services like 24-hour hotline assistance, and concierge. Travelers’ insurance may also include emergency medical like transportation, primary insurance coverage, secondary insurance coverage, dental, baggage, and rentals.
Why Travelers’ Insurance is Important
It is just another bill, right? No, in this case, travelers’ insurance is a necessary buy, especially when it comes to going out of the country. Prices vary around the world. If something happens, and you don’t know what the insurance covers, you could be looking at extreme expenses. It is challenging to cover costs, especially when you don’t have it on hand. Travel insurance costs anywhere from 4-10% of your total pre-paid trip cost. The factors that play into your policy are your age, the number of people traveling, the length of travel, and the type of coverage you are getting.
Travelers’ insurance provides peace of mind by protecting you from unexpected financial losses while away from home. Whether you’re traveling domestically or internationally, an unforeseen event—such as a medical emergency, trip cancellation, or lost luggage—can quickly turn a dream vacation into a stressful situation. With travel insurance, you can recover non-refundable expenses, access emergency medical care, and even receive compensation for delayed flights, helping you stay focused on enjoying your trip rather than worrying about the “what-ifs.”
Beyond financial protection, travel insurance offers valuable assistance services, such as 24/7 emergency support, language translation, and help with lost passports or medical evacuations. In cases where travel disruptions occur due to weather, illness, or other unforeseen circumstances, having coverage can save you from significant out-of-pocket expenses. Whether you’re planning a quick getaway or a long-term adventure, travel insurance provides an added layer of security, ensuring that you can navigate unexpected situations with confidence.
Talk to your agent today and see what your price range is for buying Travelers’ insurance!
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This article was updated on 4/2/2025.