Necessary IMB Travel Insurance
for Student Mission Trips
The International Mission Board Required Travel Insurance
is a package of essential coverage for the international
traveler. This coverage can be inexpensively acquired because
of the large volume of volunteers who serve through the
IMB.
• All groups and Individuals will be required
to purchase overseas medical insurance for $2.00/day per
person. For more information, click here.
Some very good reasons for having this coverage are:
- Your US medical insurance may not cover medical expenses
incurred overseas. Many persons today are covered under
Health Maintenance Organizations (HMOs). Some of these arrangements
do not cover medical expenses incurred outside of their
operating area, particularly outside of the USA. Persons
covered by more traditional insurance arrangements may
find at the time of a claim that the company will accept only
bills in a certain standard USA format, and only in US
dollars. If you don't submit the claim in this fashion, your claim
could be denied.
- Assistance Service and Evacuation Insurance is an essential
part of covering yourself in the event of an emergency while
abroad. Assistance service can be considered your "9-1-1"
number while you are abroad. The service is staffed 24 hours
per day, 365 days per year, and accepts collect calls from
abroad to help you in the event of a medical or other emergency.
Evacuation insurance covers the costs of transporting you
to a place where adequate medical care is available, and
if necessary, back to the USA where your US medical insurance
can take over the payment of your medical expenses.
- Disability Income is also provided in the IMB Travel Insurance.
In the event of a serious accident rendering you disabled,
this coverage is available to pay a monthly benefit. There
is also a reduced benefit in the event that a sickness disables
you.
- Property Insurance is included as a part of the IMB Travel
Insurance, and is very broad in its coverage. Most coverage
on property is limited to "baggage" while it is checked
with the airline; ours covers your property from "doorstep-to-doorstep".
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