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Welcome Brigada Readers

For over 45 years, Insurance Services of America has provided Christians around the globe with high quality and affordable international health insurance and travel insurance. Our experienced Client Advisors have taken great care in selecting the missionary insurance you’ll find on this site. These are plans we’ve used on our own mission trips and plans we know make the most sense for missionaries.

Start by reviewing the insurance benefits and brochure to decide which plan suits you best. Then get a quote and apply. After your application is reviewed and accepted, the insurance carrier will email you an ID card, or cards, and a confirmation notice.

If in doubt about anything you see here, please call us at (800) 647-4589 or 01 (480) 821-9052 and we’ll be speaking shortly. You can also email a Client Advisor anytime you like.

Let’s get started. Choose your missionary insurance from the options below:

Atlas International Major Medical

Our most affordable international health insurance for missionaries with rates as low as 86 cents a day. For missionary trips between 5 days and 12 months. Print your ID cards and proof of insurance from your printer.

Atlas International Major Medical Overview

Eligibility*

Only US citizens and non-US citizens traveling outside of their home country excluding the continental US, Alaska, Hawaii, Puerto Rico, Guam, and the US Virgin Islands, and who are at least 14 days of age are eligible for coverage under Atlas International. Incidental trips to the US are permissible for US citizens only. The plan cannot be sold to citizens or residents of: Cuba, Iran, N. Korea or Sudan. The plan cannot be sold to citizens or residents of: Cuba, Iran, N. Korea, Sudan or Australia. However, Australian citizens residing outside of Australia are still eligible for this plan providing their destination is not Australia.

SPECIAL NOTE: New York Residents and Anyone Located in Canada*

If you are a resident of New York or a foreign national visiting New York, Atlas International is not available for online purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada at the time you wish to purchase Atlas International, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

  • Guaranteed issue policy—no medical questions to answer
  • Up to $1,000,000 policy maximum (benefit reduced after age 69)
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Trip interruption
  • Lost checked luggage
  • Emergency reunion
  • Political evacuation
  • Terrorism
  • Return of minor children
  • Home country visit as well as end of trip coverage
  • Accidental death and dismemberment (AD&D)
  • Repatriation of remains
  • Acute onset of pre-existing conditions coverage (available to members under age 70)
  • This plan can be extended up to 364 days and renewed up to 3 years
  • This plan satisfies Schengen visa requirements

State and Country Restrictions*

Atlas International is available in all states in the US, except New York. The plan does not cover travel to or from the following countries: Cuba, Iran, N. Korea or Sudan. Australian citizens residing in or traveling to Australia cannot purchase this plan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Atlas International is underwritten by Syndicate 4141 at Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Day Tripper Group Travel Medical

Group travel medical, evacuation and repatriation insurance for mission teams of 5 or more people. Recommended for youth groups and young adults. Includes sports coverage.

Day Tripper Group Travel Medical Overview

Eligibility*

Groups of 5 or more US citizens or foreign nationals who are at least 14 days old and are traveling outside their home country are eligible under Day Tripper Group Travel. The plan cannot be sold to citizens or residents of: Cuba, Iran, N. Korea or Sudan. Applicants whose mailing address is in Australia cannot purchase this plan.

SPECIAL NOTE: New York Residents and Anyone Located in Canada*

If you are a resident of New York or a foreign national visiting New York, Day Tripper Group Travel is not available for online purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada at the time you wish to purchase Day Tripper Group Travel, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

  • Up to $1,000,000 policy maximum (benefit reduced after age 69)
  • In and out of hospital benefits
  • Emergency medical evacuation
  • Trip interruption
  • Lost checked luggage
  • Emergency reunion
  • Political evacuation
  • Terrorism
  • Return of minor children
  • Accidental death and dismemberment (AD&D)
  • Repatriation of mortal remains
  • Acute onset of pre-existing conditions coverage (available to members under age 70)
  • This plan can be extended up to 364 days

State and Country Restrictions*

Day Tripper Group Travel is available in all states in the US, except New York. The plan does not cover travel to or from the following countries: Cuba, Iran, N. Korea or Sudan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Day Tripper Group Travel is underwritten by Syndicate 4141 at Lloyd’s, London, rated A (Excellent) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

GeoBlue Navigator

Worldwide medical coverage for crew members and missionaries.

GeoBlue Navigator Overview

Eligibility*

All U.S. citizens and U.S. permanent residents living abroad who are 75 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens and permanent residents) are eligible if they
apply from an approved state. The Eligible Member must be scheduled to reside outside of his/her country for at least 3 months in the first year of coverage and must be involved in Missionary activity.

Highlights and Benefits*

  • Specifically designed only for missionaries and volunteers
  • No restriction on the amount of time spent in or out of the US (must go overseas for at least 3 months during the initial 12 months of coverage)
  • Priced lower for missionary budgets
  • After 364 days of coverage, you may add maternity coverage
  • Deductible waived for office visits to PPO
  • Pre-existing conditions covered with credible coverage
  • No waiting periods for preventive services
  • Full benefits for acts of terrorism
  • Emergency medical evacuation and repatriation included

State and Country Restrictions*

Atlas Professional is available in the following states: Alabama, Arizona, California, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Wisconsin, and Wyoming. If your client lives in another state, please contact us for assistance.

Plan Underwriter*

Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Global Navigator

Global Navigator is designed for extended living abroad. All U.S. citizens and U.S. permanent residents living abroad who are 75 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens and permanent residents) are eligible if they apply from an approved state.

Global Navigator Overview

Eligibility*

Global Navigator is designed for extended living abroad. All U.S. citizens and U.S. permanent residents living abroad who are 75 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens and permanent residents) are eligible if they apply from an approved state. The Eligible Member must be scheduled to reside outside of his/her country for at least 3 months in the first year of coverage and must be involved  in Missionary Activity.

Highlights and Benefits*

  • Specifically designed only for missionaries and volunteers
  • No restriction on the amount of time spent in or out of the US (must go overseas for at least 3 months during the initial 12 months of coverage)
  • Priced for missionary budgets
  • No-wait maternity benefit option (must not be pregnant at the time of application)
  • Deductible waived for office visits to PPO
  • HIPPA compliant (pre-existing condition waiting period is reduced with proof of prior creditable coverage)
  • No waiting periods for preventive services
  • Full benefits for acts of terrorism
  • Underwritten by BCS Insurance Company, rated A- (Excellent) by A.M. Best Company

State and Country Restrictions*

This plan is available in all states except: AK, MD, MA, MN, MT, NC, NH, NJ, NY, OR, SD, TX, VT and WA. If your client lives in one of those states, they may still purchase this plan. Please call for assistance! Please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Global Navigator is underwritten by an outstanding U.S. Admitted Company–BCS Insurance Company, which is rated A- (Excellent) by A.M. Best for financial strength.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

 

HCC Life Short Term Major Medical

Affordable US temporary health insurance featuring: $50 Urgent Care Center co-pay, month-to-month payment option, and the freedom to choose any doctor. This plan can be written for children as well as a “child alone” policy. For US citizens and legal residents. No Social Security number required. Not available in all states.

HCC Life Short Term Major Medical Overview

Eligibility*

US citizens and US legal residents between 2 and 64 years old are eligible under HCC Life Short Term Medical. You must also be able to answer “no” to a few simple qualifying health questions to be eligible for this plan. People who are pregnant, in the process of adoption, covered by other insurance, or members of the armed forces are not eligible for this plan.

Highlights and Benefits*

  • Up to $2,000,000 policy maximum
  • In and out of hospital benefits
  • This policy can be written for children only (must be at least 2 years old)
  • Choice of 6 deductibles
  • $50 co-pay at any urgent care center and deductible waived
  • Options for 80/20 or 50/50 co-insurance
  • $5,000 co-insurance maximum
  • Discount drug card
  • Coverage is up to 6 months in most states, but may be longer in other states
  • You may be able to reapply for a second policy, depending on the state in which you reside

State and Country Restrictions*

HCC Life Short Term Medical is available in all US states, except: Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Utah, and Vermont. The plan can only be used inside the US (excluding all US territories). Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

HCC Life Short Term Medical is underwritten by HCC Life Insurance Company, which is rated A+ (Superior) by A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Liaison® Majestic International Major Medical

Returning home soon on furlough? Plan on making a few incidental trips home to the US while serving abroad? Liaison Majestic is the international short-term missionary insurance we recommend for you. For trips at least 5 days long.

Liaison® Majestic International Major Medical Overview

Eligibility*

US and non-US citizens who are at least 14 days old and are traveling outside of their Home Country are eligible under Liaison Majestic. Home Country is defined as the country where a covered person has his or her true, fixed and permanent home and principal establishment.

SPECIAL NOTE: New York Residents and Visitors*

If you are a resident of New York or a foreign national visiting New York, Liaison Majestic is the plan we recommend due to certain state laws and restrictions within that state.

Highlights and Benefits*

  • Up to $1,000,000 policy maximum (benefit reduced after age 64 if traveling within the US; benefit reduced after age 69 if traveling outside the US)
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Trip interruption
  • Lost checked luggage
  • Emergency reunion
  • Political evacuation
  • Terrorism
  • Return of minor children
  • Accidental death and dismemberment (AD&D)
  • Repatriation of mortal remains
  • Optional hazardous sports coverage
  • This plan can be renewed up to 3 years (up to 364 days if you are 65 or older)
  • This plan satisfies Schengen visa requirements

State and Country Restrictions*

Liaison Majestic is available in all states in the US, except: Idaho and Washington. The plan does not cover travel to or from the following countries: Afghanistan, Chechnya, Cuba, Iran, Iraq, Pakistan, Palestine, and Somalia. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Liaison Majestic is underwritten by Certain Underwriters at Lloyd’s, London, which is rated A (Excellent) by A.M. Best Company and A+ (Strong) by Standard and Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Reside® Worldwide Medical Plan

Our most affordable international medical plan for anyone living outside the US. This plan is annually renewable as long as you reside outside the US for a minimum of 6 months. No residency or citizenship requirements.

Reside® Worldwide Medical Plan Overview

Eligibility*

US and non-US citizens residing outside the US at the time of application or departing the US within 30 days of the effective date and who are between 15 days and 74 years old are eligible for Reside Worldwide. US citizens must reside outside the US for at least 6 months within the certificate period; if the insured US citizen resides within the US for longer than 6 months, coverage will terminate.

Highlights and Benefits*

  • Up to $5,000,000 lifetime maximum (maximum reduced to $500,000 if used within the US)
  • In and out of hospital benefits
  • Coverage is per injury or sickness; please review schedule of benefits
  • Discounted rates for dependent children
  • Choice of 6 deductibles
  • Maternity coverage after a 12-month waiting period
  • Emergency medical evacuation
  • Repatriation of remains
  • Accidental death and dismemberment (AD&D)
  • This plan can be renewed annually up to age 74 with no medical questions

State and Country Restrictions*

Reside Worldwide is available in all states in the US, except Florida. There are currently no country restrictions for this plan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Reside Worldwide is underwritten by Certain Underwriters at Lloyd’s, London, which is rated A (Excellent) by A.M. Best Company and A+ (Strong) by Standard and Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.


Custom International Term Life and AD&D Insurance

International term life and accidental death and dismemberment (AD&D) insurance differs from domestic policies because it takes into account the unique risks involved with living and working in another country. Risks like political unrest, war and acts of terrorism, accidental death and dismemberment, and the potential for kidnapping.

Common risks also affect families overseas. Statistics show that the primary cause of accidental death while living or traveling abroad are car accidents. Train and other transportation accidents are other common risks people face all over the world.

For your custom international term life insurance policy, please provide some information about yourself. The information you send us in this form is confidential and secure. Read our privacy policy.

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