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There are two types of Insurance Purchased for International Trips (ex. Short Term Mission Trips, etc.): Liability and Medical
International Liability Insurance
International Liability insurance for each event is purchased by Dave Meldrum-Green. You will need to give Dave details for him to send to the insurance broker to purchase the insurance. Reliant. This insurance amount will change each year based on location and type of event. It is hard to budget ahead of time b/c the insurance will not give us a real quote without all of this info until we have the following info. Dave will send you an email with the total cost of the insurance for you to share with the event director. (For comparison... the total cost for Honduras LT 2015 was $1620.) The following details are needed and are usually received on the event setup form.
- Names
- If they are a trip participant, Reliant intern, or Reliant employed missionary
- The time they will be there in the country (or number of weeks).
- Dates of the program.
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All participants will have already filled out a liability and medical form on the event application. We manually add the interns and missionaries to the event. We will need to collect the International Medical Disclosure Form for all interns and missionaries attending an international event and manually upload those forms to their event application. We already have liability waivers because they are employed by us, but we want to keep the medical disclosure form on file in case of emergencies during the event.
Short Term Mission Trip Medical Travel Insurance
Short Term Mission Trip Medical Travel Insurance: Reliant carries a short-term supplemental insurance coverage that supplements, but does not replace personal medical insurance for international events. This is a medical Day Tripper Travel insurance that would be purchased by the special event coordinator team for all international event participants/interns/and some missionary. The cost tends to be around $3-5 per day per participant.
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- All event trip participants need this daily medical insurance.
- All Reliant interns also need this insurance (even though they are employed they are not enrolled in our GuideStone medial insurance).
- And any Reliant missionary that did not enrolled in our GuideStone medical insurance. (Ex. some missionary spouses are not enrolled and some missionary opted out of insurance b/c they went with their non-Reliant employed spouses insurance.) And any part time Reliant missionary who are not benefits eligible (under 30 hours per week). Send a list of all the Reliant missionary and missionary spouses to our Benefits Coordinator and ask them to go through the missionary list attending the event to see if they are properly enrolled in our GuideStone medical insurance or if you need to add them to the supplemental Day Tripper medical policy or not.
Why are we buying this medical insurance?
For international summer programsevents, in regards to medical insurance and medical coverage…
Reliant purchases a short-term supplemental medical insurance coverage that supplements, but does not replace their personal medical insurance. We will provide the summer program event director with all the insurance cards and documents that they would need if something were to happen. The summer program event director will be responsible for sharing the information of what is and what is not covered by the supplemental insurance to each participant. For additional information, review the International Liability Waiver Form and Medical Disclosure Form that each participant has to sign in order to participate in the program.
Before we can begin purchasing insurance we need the Flight Intenaries Itineraries for all the individuals going on the trip. (These do not go to the insurance company, but we do not want to order insurance until flights have been ordered b/c we know that means that the dates will not change as to when they will be there). Once plane tickets have been purchased you will need to purchase the groups insurance coverage with the effective dates being the day they depart for the trip through the day they return to the US.
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Citizenship (US or not)
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| (*If the participant is not a U.S. citizen, they can not get insurance coverage if they are traveling to the country of their citizenship.) |
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Plane tickets: The trip leader (if they are a Reliant employee) can order the plane tickets and then reimburse the flights through Reliant with the event director's approval. Or, a Reliant office employee (someone with Reliant credit card with an appropriate limit) can purchase the flights. We can not reimburse someone who is not a Reliant employee for buying the tickets. (ex. Someone wants a relative/friend to purchase the tickets for them so that they are free/reduced using their mileage points... we can't do this unless the person purchasing the tickets is a Reliant employee.) See International Event Transportation Information |
What medical short term insurance do we use?
We currently use Insurance Services of America to provide our insurance for short term missionaries overseas. This is for any person or group traveling between 5 - 180 days.
Insurance Services of America. Company phone number: 1-800-647-4589 or 480-821-9052
Contact: Rachel Ruedi. rachel@missionaryhealth.net; or rachel@isabrokers.com
We buy the Day Tripper insurance.
Maximum Coverage: $1,000,000
Deductible. $0.
Add the crisis response (for kidnapping, ransome)
Easiest to pay with credit card- get immediate coverage that way, but they can send an invoice to Reliant for us to pay by check. This company does not give us tax exemption.
You should receive an email with the insurance cards within a day of them receiving payment. If you do not receive an email with the insurance cards by the end of the next day, call to follow up with the order.
The cards nee to be sent to the event director and printed to have on hand in case of emergency along with the emergency contact info from their application.
Website: http://missionaryhealth.com/
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What is covered?
- The Daytripper insurance is only available to the individuals that have insurance cards presented at the time of the emergency to the emergency facility so you must keep the insurance cards on you at all times.
- If an incident occurs while you are away from your home country, treatment MUST BEGIN in the foreign country for you to be eligible to submit claims once back in the US.
- Coverage for medical expenses using this Daytripper medical travel insurance includes emergencies such as: in the case of hospitalization, needs a CAT scan or MRI or requires surgery, while in an intensive care unit, outpatient treatment, emergency medical evacuation. Daytripper also includes essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions. Daytripper will cover the necessary expenses to transport you to the nearest medical facility qualified to treat your life-threatening condition. It will also cover transportation, lodging, and meals for a relative to join you after an emergency medical evacuation.
- Coverage for treatment of an illness or injury that occurred on your trip (treatment must begin in foreign country) is available after you return to the US. The amount of coverage is limited to the follow-up home country benefit maximum.
- Click here for more coverage info. http://www.insurancefortrips.com/wp/wp-content/uploads/Brochure-Day-Tripper-ISA.pdf
After ordering the insurance....
- Send insurance ID cards and policy info to the director. They must have these cards printed and in hand in the country in case of emergency.
- Also, get approval (electronic signature) for the purchase of the insurance amount from the director.
See also Event Emergencies, Incidents , and Insurance.
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