Mission Trip Medical Insurance

Before you’re ready to serve others, one of the most important decisions you’ll need to make is choosing the right mission trip medical insurance. Unforeseen situations abound in the missionary field that can hinder your ability to serve those in need.

Tokio Marine HCC – MIS Group offers Atlas Travel to those needing individual mission trip medical insurance and Atlas Group to groups of 5 or more to help you take care of the unexpected while you focus on fulfilling your mission.

What Do I Need in a Mission Trip Medical Insurance Plan?

Mission trips require additional preparation for unexpected risks that may not be as common with typical international engagements. One way to prepare for these risks is with mission trip medical insurance. Here are some situations every volunteer should consider before purchasing a policy:

Possible Mission Trip Risks Why You Need Coverage How Atlas Insurance Addresses the Risks
Unexpected injury or illness It’s common for volunteers to need medical attention for unexpected injuries or illnesses the body is not prepared to fight off. If anything should happen, how do you plan to cover the related medical costs?

Both Atlas Travel and Atlas Group provide coverage for a number of medical costs:

  • Hospital room and board
  • Intensive Care Unit
  • Local ambulance transport when hospitalized as an inpatient

See additional covered medical expenses here.

Lost checked luggage If the airline loses your checked luggage, will you be willing to personally replace your clothes and essential toiletries, even though it wasn’t your fault?

Atlas Travel offers a $500 maximum benefit to help pay for the replacement of clothing and toiletries if your checked luggage is lost by an airline for 10-plus days.

Atlas Group offers the same benefit, with the $500 maximum benefit extending to each individual under the insurance plan.

Visa application Many countries require travelers to possess a visa. Did you know that you may need mission trip medical insurance in order to acquire a visa? This is to show that you’ll have medical coverage during your stay, mitigating potential costs to the country’s government. Both Atlas Travel and Atlas Group can be used as proof of your ability to pay for medical expenses incurred abroad. If you’re not sure if you’ll need a visa, you can look up your destination at CIBTvisas.com to see its specific travel requirements.
The local medical facilities are unsuitable to properly treat specific injuries or illnesses Many missionaries journey to countries with less-advanced medical practices or to destinations where the nearest hospital is hundreds of miles away. But what happens in a life or death emergency situation? In a life or limb-threatening medical situation, Atlas Travel and Atlas Group can cover costs for emergency air or ground transportation from a hospital ill-equipped to treat you to the nearest hospital that can properly treat your injury or illness. A $1,000,000 maximum is provided with this Emergency Medical Evacuation benefit.
A travel warning is issued after you’ve arrived at your destination Political and social upheaval can change the security status of a country in an instant. What happens if you or your group need to leave a country that unexpectedly becomes unstable during your stay?

Political Evacuation coverage can pay for the most economical means of transportation to take you or a group of missionaries to the nearest, safest country if a travel warning is issued after your arrival.

Stay up-to-date with current warning and alerts by visiting the U.S. Department of State here.

An unforeseen terrorist attack results in injuries Unfortunately, terrorist attacks typically happen unexpectedly, even in countries without travel warnings. Injuries sustained from certain acts of terrorism can result in hefty medical bills, depending on how extensive the acquired injuries are.

Both Atlas products cover certain medical costs resulting from these injuries under the Terrorism benefit. Coverage is available up to $50,000 as long as the U.S. government has not issued a travel warning six months immediately prior to your date of arrival.

Check out the full terms and conditions of this benefit here.

Kidnapping and ransom Express kidnappings are common in certain areas of the world, and muggers and kidnappers may target international visitors. In situations when common sense and extra precautions aren’t enough to keep you safe, you may find yourself at the wrong end of a ransom deal.

Atlas’s Crisis Response benefit helps pay for costs affiliated with ransoms and personal belongings surrendered during a kidnapping.  You’ll receive 24/7 access to the Response Operations Center and its experienced crisis response team.

Coverage does not extend to kidnappings in the countries of Nigeria, Pakistan, Iraq, Venezuela, Afghanistan, or any country for which we are prohibited from transactions due to sanctions by  United States Department of the Treasury’s Office of Foreign Assets Control (OFAC)

 Accidental death Nothing can be certain, especially on a mission trip. While it’s unlikely you or someone in the group will perish during your trip, it’s important to have a plan to help mitigate additional costs burdened on loved ones. In the case of death, the costs of air and ground transportation of your remains to the area of your principle residence may be covered. Additional benefits can be collected by the designated beneficiary. However, let’s hope you don’t have use this worst-case-scenario benefit!


Want to Learn More about Mission Trip Medical Insurance?

Discover Atlas Travel insurance – for a single missionary.

Discover Atlas Group insurance – for groups of 5 or more people.

Why Choose an Atlas Plan with Tokio Marine HCC – MIS Group?

Customizable affordability: Atlas Travel offers various maximum coverage amounts, with plans offering up to $2,000,000 in maximum coverage. And some plans start at just a dollar per day. If you’re looking for savings, you can tailor your plan by choosing the deductible and maximum coverage amount that aligns with your budget.

Atlas Group


10% discount on Atlas Travel for groups of 5 or more.



Get a Quote

For mission leaders and organizations seeking an affordable plan, Atlas Group can provide medical coverage for your entire team. A 10% discount on Atlas Travel rates is included for missionary groups of five or more members. Customizable options are available and allow your group to modify a plan according to a specific budget. For example, your group can choose a number of maximum coverage amounts, up to a $1,000,000 limit.

Acceptance and convenience: No health screenings are necessary for acceptance. Atlas Travel and Atlas Group plans can be purchased online in a matter of minutes, and you will receive your policy documents immediately.

Vast network: With a wide provider network in over 130 countries and territories, you’ll have access to doctors and hospitals almost anywhere in the world. Learn more about the provider network.

Travel assistance: Tokio Marine HCC – MIS Group’s multilingual travel assistance services are available 365 days a year. If you need additional travel assistance due to lost checked luggage, lost travel documents (passport, visa, airline documents, birth certificate, etc.), or a delayed flight, you can contact a Tokio Marine HCC – MIS Group representative any time. Check out the Customer Service Center here.

Get an Atlas Travel Quote


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.