Travel Protection for Baja Christian Ministries Teams
Every registered traveler is automatically covered for accidents. Here's what's included with your trip and an optional way to cover everything else.
Baja Christian Ministries provides every registered traveler with blanket accident insurance and limited emergency medical coverage on eligible mission trips to Mexico - automatically, at no cost to you.
Because that coverage applies to accidents only, optional TripArmor® travel protection is available for travelers and teams who want broader coverage for sickness, medical evacuation, trip delays, baggage, and other covered travel situations.
MISSION TRIP INSURANCE | 719-782-5134 | orders@missiontripinsurance.com
How Your Coverage Works
You're Already Covered for Accidents
Accident Coverage Has Limits
TripArmor® Fills the Gaps
What the Included Coverage Doesn't Do
The included Baja policy is real protection but it's accident insurance, and accident insurance is narrower than most travelers expect. Here's what that means in practice:
- If you're injured in an accident, you're well protected: up to $100,000 in medical and dental benefits, and up to $1,000,000 for emergency medical evacuation.
- If you become seriously ill - food poisoning, appendicitis, a heart condition - the included policy pays up to $10,000 for emergency treatment, but it does not cover medical evacuation for sickness. Evacuations from Mexico can cost tens of thousands of dollars.
- If your flight home is delayed overnight, there's no reimbursement for hotels or meals.
- If your bag is lost or delayed, the included policy provides assistance locating it, but no payment for its contents.
These are exactly the situations TripArmor® was designed for.
Coverage at a Glance
Included Baja Coverage and Optional TripArmor Protection
| Benefit | Included Automatically with Your Baja Trip | Optional TripArmor® ($33/person) |
|---|---|---|
| Accident medical and dental | Up to $100,000 | Up to $100,000 |
| Emergency medical expenses for sickness | Up to $10,000 | Up to $100,000 for covered accident or sickness |
| Emergency medical evacuation | Up to $1,000,000 for a covered accident | Up to $1,000,000 for a covered sickness or injury |
| Repatriation of remains | Up to $500,000 following a covered accidental death | Included within the $1,000,000 medical evacuation and repatriation benefit |
| Accidental death and dismemberment | $25,000 principal sum | Up to $50,000 |
| Trip interruption | Not included | Included for eligible covered reasons |
| Trip delay | Not included | Up to $2,000 |
| Missed trip connection | Not included | Up to $1,500 |
| Baggage and personal effects | Assistance services only | Up to $1,500 |
| Baggage delay | Assistance services only | Up to $750 |
| Political, security, or natural-disaster evacuation | Not included | Up to $25,000 |
| 24/7 assistance | Included | Included |
Included coverage is provided under a blanket accident policy issued to Baja Christian Ministries by Arch Insurance Company and is subject to policy terms, conditions, and exclusions. TripArmor® benefits are subject to the plan's terms, conditions, and exclusions. Descriptions above are summaries only.
TripArmor® The Exclusive $33 Plan
Whether you're traveling with a mission team or heading out on a faith-based journey, TripArmor® gives you the protection you need- starting at just $33 per person, with simple, straightforward pricing and no age-based rates.
Designed specifically for mission travel, this plan focuses on what matters most once your trip begins - so you can lead with confidence knowing your team is supported.
Most mission teams choose this plan for simple, reliable coverage.
- $33 Per Person Simple, flat-rate pricing with no age-based increases
- Post-Departure Coverage That Matters Protection for medical emergencies, evacuations, delays, and unexpected issues during your trip
- Built for Mission Teams of All Sizes Simple, flat-rate pricing makes it easy to cover your entire group
- Optional Cancellation Coverage Available Add trip cancellation or Cancel For Any Reason (CFAR) for additional flexibility before departure
- Covers both International and U.S. Domestic Trips Domestic trips must be more than 100 miles from home and include a qualifying travel itinerary or prepaid reservation.
Estimates shown. Final premium confirmed at application. Post-departure plan: $33.00/person (non-PA residents). Pennsylvania residents pay $43.12/person. Additional days beyond 30: $2.58/day up to 90 days total.
Two Ways to Get TripArmor®
Regardless of how you enroll, you purchase directly through TripArmor®. Baja Christian Ministries does not collect payment, manage policies, or process changes - so for all insurance questions before, during, or after your trip, contact our team.
Your church or team leader enrolls the whole team.
One person enters the trip details, uploads the traveler roster, and completes enrollment for everyone at once. Each traveler receives their own certificate of insurance and ID card.
Each traveler purchases individually.
Travelers can visit the link, enter their own information, and complete their purchase in just a few minutes.
Still Have Questions? Let's Walk Through It Together.
If you’d like help reviewing your options or just want to make sure you’re choosing the right coverage for your trip, we’re here for you.
Reach out directly to Alicia Cox, Director of Mission Travel & Faith- Based Tours, or complete the form and we’ll follow up shortly.
Mission Trip Insurance FAQs
No. The blanket accident coverage is automatic for every registered Baja Christian Ministries traveler. It applies while you're participating in eligible Baja mission trips to Mexico, including direct travel to and from the trip.
No - it's completely optional. The included accident coverage applies whether or not you purchase TripArmor®. TripArmor® is for travelers and teams who want broader protection for sickness, evacuation, delays, and baggage.
This is the most important difference. The included policy pays up to $10,000 for emergency treatment of a sickness, but it does not cover medical evacuation for sickness. TripArmor® covers up to $100,000 for a covered sickness or accident and up to $1,000,000 for emergency evacuation - whether the cause is sickness or injury.
Yes. A team leader can enroll everyone at once using the roster upload tool - most groups complete it in a few minutes. Or, each traveler can purchase individually through the same link.
Usually not the way you'd hope. Most U.S. health plans provide partial or no coverage outside the country, Medicare never covers international travel, and even good plans won't pay for medical evacuation or getting you home.
Contact Mission Trip Insurance (719-782-5134 | orders@missiontripinsurance.com). Baja Christian Ministries does not administer the insurance, so your trip coordinator won't be able to answer coverage questions.
Traveling Beyond Your Mission Trip?
ICI Traveler offers travel protection solutions for vacations, cruises, tours, family travel, and international journeys. The same trusted team is here to help you choose coverage with confidence.
Explore Travel Insurance Plans →Trusted by ICI Travelers Around the World
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