Working internationally as a missionary can create a great sense of fulfillment and joy, but it also carries certain risky elements with it, just as any sort of travel experience does. With that in mind, you’ll certainly want to purchase missionary travel insurance as you prepare to depart. But with many choices available, which travel insurance policy is right for you?
Short term and long term insurance are the two main types of policies available to missionaries. The difference between these is that a short term policy covers a shorter length of time, usually a number of days or months. Long term missionary insurance covers annual intervals, and as such it is the perfect choice for people residing abroad for long periods of time, or even those who make several short trips during a specific period of time.
If you’re traveling as a missionary as part of large group, you may be able to participate in a group missionary travel insurance plan. This may help make it easier to absorb some of the costs associated with the plan as you may be able to get a cheaper rate when enrolling with your colleagues. Check with your insurance policy representative to learn more about this option.
Once you’ve settled on the terms of coverage you need, your next decision will revolve around how to purchase it. As with so many other goods and services, the Internet has made it very easy to make an informed, savvy purchase decision for missionary travel insurance.
With a few clicks of the mouse through any search engine, you’ll uncover a great deal of information on missionary insurance providers. You can find reviews and information on many, which will help you narrow down your choices as you determine what companies have the best reputation. After that, you can begin soliciting price quotes and plan details so that you can choose the best combination of a plan that is both affordable and comprehensive.
While online research is easy and convenient, not everyone will feel comfortable making their purchase online. In that case, a great idea is to ask fellow missionaries and church congregation members if they can recommend any policies based on their own experience. You can even gather recommendations from the U.S. State Department, as they offer information on this subject.
The various terms and conditions of your policy will influence the price. Some of these variables include deductibles, which are available at a variety of rates. The maximum value of the policy will play a role in determining the cost as well. Again, this is a purchase decision in which the input of friends who have completed similar projects can help. Ask what they think a realistic deductible should be based on their own personal missionary travels.
Choosing to spread your good fortune and beliefs internationally as a missionary is a commendable choice and an exciting adventure. Be certain that you prepare for the unexpected by purchasing a good missionary medical insurance policy, as you never know what may happen during your travels.
Dan Miller often writes about international insurance.
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