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.
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?
I'm a US Citizen or need US coverage
View plan ›
Talent Trust Omega Plan
- $1,000,000 annual maximum with no lifetime cap
- $1,000,000 emergency medical evacuation included
- Full coverage worldwide — including the USA via Aetna PPO
- Maternity included in most plans, plus free 24/7 telemedicine
I don't need primary US coverage
View plan ›
Talent Trust Alpha Plan
- $1,000,000 annual maximum with no lifetime cap
- $1,000,000 emergency medical evacuation included
- Full international coverage — limited US coverage
- Free 24/7 telemedicine, dedicated team member & member benefits
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
One specific Talent Trust team member assigned to you - they know your policy, your mission, and your name.
TT Virtual Care
Connect with a licensed doctor 24/7 by video or phone, anywhere in the world. Free and unlimited.
TT Counseling Care
Access qualified Christian or secular counselors at reduced rates, face-to-face or virtually.
No Claims Bonus
Stay healthy and earn up to 50% off your annual premium. Talent Trust rewards their members for it.
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
Get pre-authorized and pay directly at the point of care — no large out-of-pocket payments upfront.
RightNow Media
A free faith-based video library to help you grow personally, spiritually, and in leadership.
Thrive Together
One-on-one coaching for ministry transitions, language learning, support raising, and re-entry.
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
“Customer service like this is rare today. The team was responsive, knowledgeable, and went above and beyond to make sure we had the right coverage. It gave us a lot of confidence in our decision. It was a pleasure working with them.”
Melissa U.
Travel Insurance Client
“Health Talents International sends medical volunteers to Guatemala each month to staff our surgical hospital, and we have worked with IMG for a couple of decades. We would not use anyone else. The pricing is economical, the enrollment process is simple, and the staff is unparalleled whenever we need support. We take the welfare of our volunteers very seriously, and it means a great deal to know they are protected when traveling with us.”
Susan M.
Health Talents International
“After seeing a close friend lose nearly $12,000 on a trip to Europe without travel insurance, I knew I needed to explore coverage for my own upcoming trip. As an AMAC member, I reached out and am so glad I did. Skyler was professional, courteous, and a pleasure to work with, taking the time to answer all my questions and help me find the right combination of coverage. While I hope I never need to use it, I have great confidence that any claim would be handled just as professionally.”
James “Jim” P.
AMAC Member | Pennsylvania
“Having insurance protection for our trip gave us tremendous peace of mind. Lynette took the time to help us select the right coverage, and I’m incredibly grateful for her guidance. I won’t go anywhere else for travel insurance.”
Bob B.
Luxury Travel Client
“We’ve used Mission Trip Travel for many years and have always had a wonderful experience. Their customer service is outstanding, and they are consistently quick to process our travel insurance requests. It’s been such a blessing to work with a team we can truly rely on. I highly recommend them.”
Kim
Outreach to Asia Nationals
“After a long and stressful day navigating hospitals and language barriers in Italy, Kristen connected us with the right people who could truly help. When my mother-in-law became seriously ill while traveling in Italy and needed to be transported home, it was such a relief knowing someone was there to guide us through every step and help ensure she returned safely.”
Trish G.
Family Member of Traveler
“When I became very sick while traveling, the claims process felt overwhelming at times. Alicia was incredible. She was kind, quick to respond, and helped me navigate every step. I’m so thankful for her support and how she truly went above and beyond.”
Brandi C.
Mission Traveler | Tim Tebow Foundation
“After running into challenges with a dental claim, Craig stepped in and advocated on my behalf. Thanks to his involvement, the claim was ultimately approved. I’m incredibly grateful for the support and will continue to use their team for all of my trips. Lynette is terrific as well.”
Tamara
Travel Insurance Client
“This was my first time leading a mission team, and Alicia made the insurance process completely stress-free. She was quick to respond, incredibly helpful, and guided me through everything we needed. I’m so thankful for her support.”
Tamela J.
Mission Trip Leader | New Covenant Fellowship
“If it wasn’t for Lynette, we wouldn’t have been able to recover our travel costs after my wife’s unexpected health diagnosis. Her service and dedication truly made all the difference. If there were a survey, we’d give her 10 stars.”
Tom & Sonya G.
Luxury Travel Clients
“We compared several travel insurance options and ultimately chose the AMAC plan recommended by the team. It saved us $936 compared to the individual plans we were originally considering. We felt confident in our decision and are so thankful for the guidance and support.”
Diane C.
AMAC Member
“This was our first time purchasing travel insurance, and we had so many questions. The team was incredibly knowledgeable, patient, and helpful. It made a huge difference being able to speak with a real person instead of trying to figure everything out on our own. That personal support made the entire process so much easier.”
Denise & Mike M.
First-Time Insurance Client
“After extensive research, our organization found TripArmor to be an excellent combination of affordable cost and essential coverage, especially for unexpected trip interruptions or medical expenses. Alicia and the team at Mission Trip Insurance have been an invaluable resource, always available to answer questions, guide us in the right direction, and help us make the most of the coverage we purchase. Their website is easy to use, documentation is immediate and accessible, and their support has been outstanding. I highly recommend working with them for mission travel insurance.”
Kate B.
Senior Director of Operations | World Orphans
“I was on the fence about purchasing travel insurance, but the team took the time to walk me through my options and helped me choose the right policy. During my trip, knowing I had that coverage gave me tremendous peace of mind and allowed me to fully enjoy the experience.”
AMAC Member
Verified Traveler
“I never travel without purchasing trip insurance, and it has been a pleasure working with Insurance Consultants International over the years. Their pricing is very reasonable, and they are always quick to respond to any questions or concerns. It gives me peace of mind knowing they are there if I ever need them.”
Susan M.
McGuffin Exploring Europe Traveler
“When I had to cancel a trip and file a claim, it was initially denied. Lynette stepped in, helped appeal the decision, and continued advocating on my behalf until it was ultimately approved and paid. I truly don’t think that would have happened without her support.”
Kevin A.
Travel Insurance Client
“The recent update on how we report our insurance requests has been great! I appreciate that it is a link just for our trips, and I get an email right away about how my request was received. I also appreciate how quickly you and your team are able to respond. You have been great to work with!”
Kristina W.
Mission Traveler | Navigators World Missions
“We have been trusting TripArmor for our international trip insurance needs for several years, and feel very thankful for the excellent service and protection we receive. I especially appreciate how accommodating Mission Trip Insurance is when we need to change countries for a policy or when we have a cancellation. MTI is responsive and supportive, and TripArmor covers all bases. We would recommend this policy to anyone facilitating international mission trips!”
Hope L.
Trip Coordinator | Living Water Internaitonal
“We have had a relationship with Insurance Consultants for many years, as we’ve arranged TripArmor plans for each of our international short-term mission trips. Every person within the organization has been extremely helpful to us as we’ve asked questions, purchased the plans, and filed any claims. A few years ago, we had a significant issue during a trip that involved a highly respected person involved in our ministry. As we walked through shock and grief, Insurance Consultants not only walked through the claim with us but also cared deeply for us by checking in, praying, and following up for months after the claim was completed. We highly recommend Insurance Consultants for the insurance coverage they offer and even more for the care they offer to their clients. ”
Brenda G.
International Impact Admin Assistant | Christ Community Church
“At VisionTrust, we’re truly thankful for the partnership we’ve had with Mission Trip Insurance. It’s been such a gift to know our teams are covered as they step out in faith to serve others. There’s a real sense of peace that comes with knowing we don’t have to worry about the “what ifs,” and can instead stay focused on the work God has called us to. Working with Alicia has been a joy- she’s always quick to respond, kind, and incredibly professional, which makes everything feel easy and taken care of. We’ve also really appreciated the coverage provided for each of our team members, especially at such a reasonable cost. It’s one more way we’ve seen God provide through the right people and partnerships at just the right time.”
Cheryl R.
Short Term Missions & Partner Relations Manager | Vision Trust