Long-Term Health Coverage Built for Missionaries

Serving more than one year abroad? These plans go beyond basic travel insurance — comprehensive international health coverage with the personal support, member benefits, and dedicated team your mission deserves.

Volunteers Helping in International Community

Not All Missionary Insurance Is the Same

There's an important distinction that many missionaries don't realize until it's too late: short-term trip insurance and long-term health insurance are completely different products.

If you're heading to the field for a year or more, you don't need a trip cancellation plan - you need a renewable international health insurance plan that covers doctor visits, hospitalizations, surgeries, emergencies, and everything in between, for as long as you're serving.

The plans on this page are built specifically for that calling.

 

When it comes to long-term missionary health insurance,

we recommend Talent Trust - and here's why.

Most international health plans are built for expats or business travelers. Talent Trust is built exclusively for missionaries. That means the coverage is designed around how missionaries actually live - furloughs, restricted territories, family on the field, limited local medical infrastructure - and the support goes far beyond a claims hotline.

Every member gets a dedicated team member, free counseling access, and a community of people who understand the unique challenges of long-term mission work.

We've reviewed the options. For missionaries serving one year or more, Talent Trust is the plan we trust.

Which Plan Is Right for Me?

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I'm a US Citizen or need US coverage

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I don't need primary US coverage

 Alpha vs. Omega — At a Glance 

  Alpha Plan Omega Plan
Best for Non-US missionaries US citizens & those needing US coverage
Annual Maximum $1,000,000 $1,000,000
Emergency Evacuation $1,000,000 $1,000,000
Lifetime Cap None None
USA Coverage Limited (20% co-ins., up to $5,000/yr) Full (20% co-ins., up to $10,000/yr)
Maternity Optional add-on Included in most plan levels
Outpatient Deductible $100 per condition Multiple options (see plan page)
Furlough / Home Country Coverage
24/7 Telemedicine ✓ Free & unlimited ✓ Free & unlimited
Dedicated Team Member
No Claims Bonus Up to 50% off Up to 50% off
Dental Add-On Available Available
Vision Add-On Available Available
Crisis Assistance (CAP) Available Available
Minimum Term 1 year 1 year

More Than Insurance - A Team in Your Corner

Every Talent Trust plan includes these member benefits at no extra cost.

Your Dedicated Team Member

Your Dedicated Team Member

One specific Talent Trust team member assigned to you - they know your policy, your mission, and your name.

TT Virtual Care

TT Virtual Care

Connect with a licensed doctor 24/7 by video or phone, anywhere in the world. Free and unlimited.

TT Counseling Care

TT Counseling Care

Access qualified Christian or secular counselors at reduced rates, face-to-face or virtually.

No Claims Bonus

No Claims Bonus

Stay healthy and earn up to 50% off your annual premium. Talent Trust rewards their members for it.

TT Mercy Fund

TT Mercy Fund

10% of Talent Trust's income goes into a discretionary fund to help with needs outside the policy scope.

TT YouPayNothing Card

TT YouPayNothing Card

Get pre-authorized and pay directly at the point of care — no large out-of-pocket payments upfront.

RightNow Media

RightNow Media

A free faith-based video library to help you grow personally, spiritually, and in leadership.

Thrive Together

Thrive Together

One-on-one coaching for ministry transitions, language learning, support raising, and re-entry.

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Trusted by Missionaries Worldwide

 Talent Trust has been serving the missionary community for over two decades, providing health coverage and personal support to missionaries serving in 180 countries. ICI Traveler is proud to recommend Talent Trust plans as part of our commitment to finding the right coverage for wherever your calling takes you. 

Trusted by ICI Travelers Around the World

Mission Health Plan Insurance FAQs