Missionary Health Insurance

Medical emergencies are scary enough when you’re in your home country, let alone a foreign country where you’re unfamiliar with the healthcare system–and may not speak much of the local language.

With mission insurance like Atlas Travel or Atlas Group, you’ll be covered for the cost of a local ambulance to transport you to the hospital if a covered injury or illness results in hospitalization.

You’ll also have coverage for all other eligible medical expenses, including hospital room and board, physician charges, diagnostic testing, surgery, and more.

Atlas Travel and Atlas Group also provide access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.

You’re taken to the nearest medical facility for treatment, but the local facility does not have the equipment required to provide the medically necessary treatment.

Fortunately, you’re covered under your Atlas plan’s Emergency Medical Evacuation benefit. This benefit will pay up to $1,000,000 to transport you via air or ground transportation to the nearest hospital properly equipped to treat you and save your life or limb. 

Following a covered emergency medical evacuation, your Emergency Reunion benefit can pay up to $100,000 to transport a family member to the area where you are hospitalized so they can help you recover. Your family member will be covered for reasonable expenses resulting from lodging and meals for up to 15 days.

Learn more about the Emergency Medical Evacuation benefit or learn how the Emergency Reunion benefit works during and after an emergency.

Fortunately, your Atlas insurance plan includes a Natural Disaster – Replacement Accommodations benefit. Since your necessary evacuation from a covered natural disaster has displaced you from your planned and paid accommodations, this benefit will pay up to $250 a day (for up to five days) for alternative lodging.

IMPORTANT NOTE: A natural disaster is an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain, or wind that results in widespread and severe damage.

This benefit only provides coverage for expenses resulting from a hurricane or typhoon if you have less than 72 hours of advance notice for the named hurricane or typhoon OR the named storm’s path deviates more than 200 miles from the forecasted path within a 72-hour period.

Review the Atlas Travel or Atlas Group Description of Coverage for full benefit conditions and exclusions.

Optional Buyup: Crisis Response Rider with Natural Disaster Evacuation Coverage

If you added the optional Crisis Response Rider with Natural Disaster Evacuation Coverage buyup upon purchase, you will also have up to $10,000 of coverage for an eligible evacuation to the nearest safe location or to your home country if your destination becomes uninhabitable and you’re unable to leave by normal means.

Review the Atlas Travel or Atlas Group Description of Coverage for full benefit conditions and exclusions.

Political and social factors can change the security status of a country in an instant. If the U.S. Department of State issues a level 3 or higher travel advisory for your location after your arrival, your Political Evacuation benefit will pay up to $10,000 to transport you to the nearest safe country (or to your home country—whichever WorldTrips deems appropriate).

You must contact us within 10 days of the date the travel advisory is issued to be eligible for this benefit. Expenses may not arise directly or indirectly from anything in the policy’s general exclusions.

You can stay up to date with current travel advisories from the U.S. Department of State here. U.S. citizens can also enroll in the Smart Traveler Enrollment Program (STEP) to receive important info about safety conditions in your destination and help the U.S. embassy contact you in an emergency.

It can be scary to think about the threat of kidnapping while bringing aid to communities abroad, but foreign travelers can be targets of crime—especially in places where security is weak or nonexistent.

Fortunately, your fellow traveler is covered under an Atlas insurance policy, which includes a Crisis Response benefit. In the case of a covered kidnapping, the Crisis Response benefit provides up to $10,000 to cover:

• Ransom
• Personal belongings surrendered in the kidnapping
• Crisis response fees and expenses

We partner with Unity Advisory Group/On Call International to advise and support your family while working on negotiations and resolution strategies. Your family and law enforcement will have access to the 24/7 Response Operations Center, which employs a team of analysts who have expertise in security, terrorism, international politics, and logistics. This team will work to safely negotiate your release.

Note that you are not covered if a kidnapping or express kidnapping first occurs in certain excluded countries or countries for which we are prohibited from transaction due to sanctions by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).

Review the Atlas Travel or Atlas Group Description of Coverage for a full list of excluded countries as well as additional Crisis Response conditions and exclusions.