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Long-Term Insurance:
for Trips Over 12 Months

Those of us called to serve the Lord as full-time missionaries in a foreign land are no doubt empowered by the Spirit to endure and thrive under extreme circumstances. Relocating yourself and a family is a big job, not to mention one filled with many uncertainties. Our hope is to make getting missionary insurance for yourself and your family a simple experience. That way, you can cross “get insurance” off your To Do list and focus on the work ahead of you.

Our experienced Client Advisors have chosen the major medical international insurance plans you’ll find here. These long-term plans have an emphasis on protecting against the risks often encountered abroad. That’s why the plans include maternity benefits alongside emergency medical evacuation benefits. They provide career and long-term missionaries with affordable major medical benefits, emergency medical evacuation and repatriation coverage as well as at-home benefits for your return trips home on furlough.

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.

Let’s get started. Choose insurance for your long-term trip from the options below:

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*

GeoBlue Navigator is available in all states.

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.

High Limit Accidental Death Insurance

Traveling or living overseas can have it’s dangers. For example, the biggest cause of death for US citizens traveling or living overseas is automobile accidents. Plus many countries where our clients travel present a higher risk of danger due to adverse living conditions, terrorism or war. Protect your family 24/7 by purchasing our affordable accident death protection whether it’s for only a few days or a few years. Simplified issue with NO medical underwriting!

High Limit Accidental Death Insurance Overview

Why do I need Accidental Death & Dismemberment Protection?*

Traveling or living overseas can have it’s dangers. For example, the biggest cause of death for US citizens traveling or living overseas is automobile accidents. Plus many countries where our clients travel present a higher risk of danger due to adverse living conditions, terrorism or war. Protect your family 24/7 by purchasing our affordable accident death protection whether it’s for only a few days or a few years. Simplified issue with NO medical underwriting!

Anyone ages 18-74 who needs accident protection, including…*

  • Missionaries living overseas.
  • Personal or Business Travel – Domestic or International.
  • War Zone coverage – Most life insurance companies will not cover individuals that travel to War Zones or who have recently traveled to War Zone, with the High Limit Accident policy we have no problem providing coverage to them in these high risk areas.
  • Contractors in War Zone who need to provide coverage to their employees.
  • Security Guards in War Zones who need personal coverage.
  • Hazardous occupations such as Logging, Roughneck, Fisherman, Pilots and many more.
  • Key Person coverage.
  • High Limits – $50,000,000 or more.
  • Personal or Business Travel – Domestic or International.
  • Estate Planning Purposes.
  • Can be tailored to include: war & terrorism, aviation, common carrier, motor racing, mountain climbing, and more!

State and Country Restrictions*

High Limit Accidental Death Insurance is available in all states except: Colorado, Montana and Rhode Island. Excluded states and countries are subject to change; please contact us at (800) 647-4589 for an up-to-date list.

Plan Underwriter*

High Limit Accidental Death Insurance is underwritten by certain underwriters at Lloyd’s of London, the world’s oldest and largest insurance market.

*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 

Meridian International Major Medical

Affordable, annually renewable coverage for immigrants and US citizens living overseas. Our lowest priced long term plan.

Meridian International Major Medical Overview

Eligibility*

US and non-US citizens between 14 days and 74 years old and who reside outside of the US, as well as non-US citizens who cannot purchase health insurance within the US due to residency or citizenship status are eligible under Meridian.

Special Note: 2 Plan Options*

Meridian offers 2 levels of coverage: Essential and Enhanced.

Highlights and Benefits for Meridian Essential*

  • Up to $2,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Limited pre-existing condition coverage after 24 months of continuous coverage
  • Optional maternity rider with no waiting period
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

Highlights and Benefits: Meridian Enhanced*

  • Up to $5,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Limited pre-existing condition coverage after 12 months of continuous coverage
  • Maternity coverage after 12 months of continuous coverage
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

State and Country Restrictions*

Meridian is available in all states in the US and all countries. 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*

Meridian is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the 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.

"MissionaryHealth" Group International Plan

Our MissionaryHealth Group International plan is just one of many options we can quote for your groups particular needs and location. For home staff we may also quote a “self funding” option. We can provide war zone group insurance, kidnap/ransom, international accidental death and more. Contact us so we can begin the process of customizing a specific international group plan that best fits your needs. We do not represent only one company but we shop for you.

"MissionaryHealth" Group International Plan Overview

MissionaryHealth Group International Plan

Our MissionaryHealth Group International plan is just one of many options we can quote for your groups particular needs and location. For home staff we may also quote a “self funding” option. We can provide war zone group insurance, kidnap/ransom, international accidental death and more. Contact us so we can begin the process of customizing a specific international group plan that best fits your needs. We do not represent only one company but we shop for you.

 

War Zone Life & Health

Most life and health insurance policies contain exclusions for overseas travel to high risk countries of conflict or active war zones. By combining up to four different products a need has now been created for insurance programs to provide high risk, high limit coverage that fills the gap of traditional insurance programs. These four plans can be quoted separately on either an individual or group basis. This allows one to pick and choose the best possible combinations to fit their needs while traveling abroad. They include accidental death and dismemberment, medical, kidnap/ransom and disability insurance protection. See our War Zone Life & Health brochure and then contact for further information. Our contact information is located at the bottom of the last page of the brochure and on this web site.
NOTE: War Zone Brochure
NOTE: Kidnap-Ransom Brochure
NOTE: High-Limit Accident Brochure
NOTE: Disability Income Solutions Brochure
NOTE: USAway Brochure

War Zone Life & Health Overview

Most life and health insurance policies contain exclusions for overseas travel to high risk countries of conflict or active war zones. By combining up to four different products a need has now been created for insurance programs to provide high risk, high limit coverage that fills the gap of traditional insurance programs. These four plans can be quoted separately on either an individual or group basis. This allows one to pick and choose the best possible combinations to fit their needs while traveling abroad. They include accidental death and dismemberment, medical, kidnap/ransom and disability insurance protection. See our War Zone Life & Health brochure and then contact for further information. Our contact information is located at the bottom of the last page of the brochure and on this web site. Also a quick video overview of this plan can be viewed here!

If you can’t find what you’re looking for or have questions, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon. If you’re buying insurance for a group of 5 people or more, please see our Group Missionary Insurance plans. If you’re looking for insurance for a mission trip less than 12 months long, please see our Short Term Missionary Insurance options.