Adventures In Missions
Understanding Your Insurance

For Adventures Staff & Trip Participants

MissionSafe serves Adventures in Missions as an insurance broker. We provide service and support to Adventures staff and trip participants as you serve in ministry in the U.S. and abroad. MissionSafe serves as your advocate with the insurance carrier.

As a trip participant with Adventures in Missions, you will automatically be enrolled in travel medical coverage. You will not need to enroll yourself in this plan. The purpose of this page is to give you an overview of your benefits, and answer some of the common questions associated with the coverage.

Our team is dedicated to providing you with excellent service and support before, during, and after your trip. If you have any questions about your insurance plan with Adventures in Missions, we are only a phone call away!

MissionSafe | www.missionsafe.com

E: service@missionsafe.com

P: 800-682-3461

Plan Information

 

Click on the links below to learn more about your insurance plan for World Race, Gap Year, Semesters & Short-Term International trips

Important Documents
Important Contact Information
Outline of Your Coverage
Important Documents
Important Contact Information

24/7 Travel Assistance:



    • 1-800-690-6295
    • 317-818-2808 (worldwide)
  •  
    • 317-818-2809 (collect)

Includes 24 hour multilingual travel assistance, help finding a provider, and evacuation if necessary.

Learn More

Outline of Your Coverage

Medical Travel Insurance with Coronavirus Benefits

All benefits listed in this Schedule of Benefits are in United States dollar amounts. All medical and dental benefits are subject to deductible and/or copay and coinsurance. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.



PLAN OPTIONS
Coverage Length5 days to 364 days
Extension of CoverageExtendable for a total of up to 364 days.
Coverage AreaWorldwide including the United States

Worldwide excluding the United States
1Medical Maximum Options
Worldwide Including the United States
Ages 14 days to 64 years choose:

$50,000; $100,000; $500,000; $1,000,000

Ages 65 to 69 years old choose:

$50,000; $100,000

Ages 70 to 74 years old:

$50,000

Ages 75 years and older:

See Liaison Travel Medical for travel health insurance.
2Medical Maximum Options
Worldwide Excluding the United States
Ages 14 days to 64 years choose:

$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000

Ages 65 to 74 years old choose:

$50,000; $100,000
3Deductible Options (You pay)Ages 14 days to 64 years old choose:

$0; $100; $250; $500; $1,000; $2,500; $5,000

Ages 65 to 74 years old choose:

$250; $500; $1,000; $2,500; $5,000
Coinsurance Options (The plan pays)
Inside the United States
50% reduction in benefits for failure to comply (See "Precertification" under Resources for more information)
Coinsurance Options (The plan pays)
Outside the United States
We pay 100%.

1 & 2We cover injuries and illnesses which occur during your period of coverage. Benefits are paid in excess of your deductible, copays and coinsurance up to your medical maximum. Initial treatment must occur within 30 days of the date of injury or onset of illness.

3The deductible is the amount you are responsible for paying. It applies per coverage period.



MEDICAL
1Hospital Room & Board, Inpatient
Hospital Services, Outpatient Hospital / Clinical Services,
Doctor’s Office Visits, Prescription Drugs, Home Health Care,
Extended Care Facility
URC to medical maximum
2COVID-19 TreatmentURC up to Medical Maximum or $100,000; whichever is less.
Emergency Room ServicesURC to medical maximum
$100 copay
Urgent Care VisitsURC to medical maximum
$20 copay
Physiotherapy$50 per visit, 10 visits maximum
Chiropractic Care$50 per visit, 10 visits maximum
Local Ambulance Benefit
Inside the United States
$10,000
Local Ambulance Benefit
Outside the United States
Up to medical maximum
3Hospital Indemnity
Outside the United States
$150 per day, 30-day limit
4Coma$25,000
(separate from the medical maximum)
5Felonious Assault $10,000
(separate from the medical maximum)
6Extension of Benefits to Home Country$10,000
7Incidental Trips to Home Country $10,000
8Pre-certification 25% penalty — Required inside the
United States for specific types of treatment.
Penalty does not apply to emergencies.
9Acute Onset of Pre-existing Conditions
Worldwide Including the United States
Ages 14 days to 64 years old: $10,000

Ages 65 to 74 years old: $5,000
10Acute Onset of Pre-existing Conditions
Worldwide Excluding the United States
Ages 14 days to 64 years old: $50,000

Ages 65 to 74 years old: $10,000

1URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details.

2COVID-19 Medical Treatment — The plan covers medically necessary treatment for:

  • COVID-19 (the disease);
  • SARS-Cov-2 (the virus); and
  • Any mutation or variation of SARS-CoV-2.

Travel assistance services, including Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation apply if you contract COVID-19 while covered by this plan.

3If you are hospitalized while traveling outside of the United States, we will pay you for each night you spend in the hospital, up to 30 days. This benefit is in addition to other covered expenses, and you may use these incidental funds as you wish.

4This coverage can pay benefits if you become comatose due to an accident.

5This can pay benefits if you are injured as the result of a felonious assault while traveling.

6This can cover expenses incurred in your home country (including those following an emergency medical evacuation or repatriation), for conditions first diagnosed and treated outside your home country if you seek treatment within 180 days of the injury or illness. There is no coverage for pre-existing conditions.

7This can cover an illness or injury that occurs on an incidental trip to your home country. You receive five days of coverage for each month of coverage you purchased, up to 60 days. There is no coverage if the illness or injury occurs while you are outside your home country, and there is no coverage for pre-existing conditions. Coverage is available if your period of coverage is greater than 30 days.

8The following expenses must always be pre-certified in the United States:

  1. Outpatient surgeries or procedures;
  2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
  3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
  4. Chemotherapy;
  5. Radiation therapy;
  6. Physiotherapy;
  7. Home infusion therapy; or
  8. Home Health Care.

To comply with the pre-certification requirements, you must:

  1. Contact Seven Corners Assist before the expense is incurred;
  2. Comply with Seven Corners Assist’s instructions;
  3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.

Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:

  1. Eligible medical expenses will be reduced by 25%; and
  2. The deductible will be subtracted from the remaining 75%; and
  3. Coinsurance will be applied.

Pre-certification does not guarantee coverage, payment, or reimbursement. Contact information for Seven Corners Assist is provided on your ID card.

9 & 10Many travel insurance plans do not cover pre-existing conditions. Liaison Plus Travel Medical covers them through the acute onset of pre-existing conditions benefit. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

  • That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
  • That occurs while you are covered, after the 72-hour (3-day) waiting period; and
  • For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.


DENTAL
1Dental — Sudden Relief of Pain$200
2Dental Emergency — Accident$500

1The plan can pay for emergency treatment for the relief of pain to sound natural teeth. Coverage is available if your period of coverage is greater than 30 days.

2The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting into a foreign object.



VISION
1Emergency Eye Exam$100 per occurrence
$50 copay

1The plan can pay for an emergency eye exam if required to obtain a prescription for replacement corrective lenses if your prescription lenses are lost or damaged to due a covered accident. There is no coverage for the cost of the lenses or for contact lenses. Coverage is available if your period of coverage is greater than 30 days.



EMERGENCY SERVICES AND ASSISTANCE

All emergency services except Natural Disaster
Daily Benefit and Terrorist Activity must be coordinated
by Seven Corners Assist.

1Emergency Medical
Evacuation & Repatriation
Evacuation & Repatriation
$500,000
(separate from medical maximum)
2Emergency Medical Reunion$200 per day, 10-day limit
$50,000 maximum
3Return of Child(ren)$50,000
4Return of Mortal Remains$50,000
5Local Cremation or Burial$5,000
6Natural Disaster Evacuation$50,000
7Natural Disaster Daily Benefit$100 per day, 5-day limit
8Political Evacuation & Repatriation$10,000
9Terrorist Activity$25,000
1024/7 Travel Assistance ServicesIncluded

1If medically necessary, we will arrange and pay for transportation and related medical expenses during transportation to:

  1. Transport you to the nearest adequate medical facilities.
  2. Transport you to your home country for treatment or to recover after an emergency medical evacuation.

This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

2If your physician recommends it, we will pay and arrange for one person of your choice to travel to the hospital where you are located when an emergency medical evacuation is occurring or has occurred or when an emergency medical repatriation is to occur.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

3If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will arrange and pay for:

  1. One-way economy airfare to return the children to their home country; and
  2. Attendant/escort services to ensure the children’s safety.

These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

4We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country. You cannot use this benefit if you use the Local Cremation or Burial benefit.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

5This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. You cannot use this benefit if you use the Return of Mortal Remains benefit.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

6If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:

  1. Your natural disaster evacuation;
  2. Lodging for five days if you are delayed at the safe location; and
  3. Your return home by means of one-way economy class airfare. Seven Corners security personnel will determine the need for this evacuation in consultation with local governments and security analysts.

This benefit does not apply when you are in the U.S. and if the natural disaster precedes your arrival at the affected location. See plan document for additional details. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

7We can reimburse you for replacement accommodations for up to five days if you are displaced from planned, paid accommodations due to an evacuation from a forecasted natural disaster or following a natural disaster. You must provide proof of payment for the accommodations from which you were displaced.

8We can arrange and pay for your political evacuation and/or return to your home country via one-way economy airfare if:

  1. A formal recommendation is made for you to leave your host country; or
  2. You are expelled or declared persona non-grata by the host country.

This benefit will not apply if you did not follow a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory from the U.S. Department of State or similar warnings from authorities of your host country or home country.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

9If you are injured as a result of terrorist activity, we will reimburse you for medical expenses if the following conditions are met:

  1. You have no direct or indirect involvement.
  2. The terrorist activity is not in a country or location where the U.S. government issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or the authorities of your host country or home country issued similar warnings, any of which were in effect within six months of your arrival.
  3. You departed the country or location following the date a warning to leave was issued by the U.S. government or appropriate authorities of your host country or home country.

10Seven Corners has a 24/7 multilingual team available to help with travel emergencies and general assistance including medical evacuations, escorts for unaccompanied children, medical record transfers and second opinions, and help locating medical care. They can also help provide interpreter referrals, help with passport recovery, hotel and flight re-bookings, and many other services.



AD&D
1Accidental Death and Dismemberment (AD&D)Primary Insured or Travel Companion $25,000 Principal Sum
Eligible Dependent Child(ren) $5,000 Principal Sum

(aggregate limit of $250,000 for total number of insureds on the plan)
2Common Carrier Accidental DeathPrimary Insured or Travel Companion $50,000 Principal Sum
Eligible Dependent Child(ren) $10,000 Principal Sum

(aggregate limit of $250,000 for total number of insureds on the plan)

1This can pay benefits for death, loss of limbs, quadriplegia, paraplegia, hemiplegia, and uniplegia due to an accident occurring while on your trip. If benefits are payable under Common Carrier Accidental Death, this benefit will not be paid.

2This can pay benefits for death due to an accident that occurred while riding as a passenger on a common carrier (any public air conveyance operating under a valid license to transport passengers for hire).



OTHER TRAVEL BENEFITS

Trip Interruption must be coordinated by Seven Corners Assist.

1Loss of Checked Baggage$50 per article, $500 per occurrence
2Trip Interruption$5,000
3Travel Delay$100 per day, 2-day limit per occurrence
4Lost or Stolen Travel Documents$100
5Border Entry Protection
For Non-United State Residents traveling to the United States
$500
6Personal Liability$50,000

1This benefit can reimburse you for lost bags and personal items owned by you and checked with a common carrier, if you took reasonable measures to protect, save, and recover the property.

2This benefit can reimburse you for the cost of economy travel to your home if you cannot continue your trip due to the death of a parent, spouse, sibling or child or due to serious damage to your principal residence from fire or natural disaster. See the plan document for the definition of a natural disaster.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.

3This benefit can reimburse you for accommodations, meals, and local transportation if you are delayed by your common carrier more than 12 hours while outside your home country, if the delay results in an unplanned overnight stay.

4This benefit can reimburse you for fees for replacement of your passport, visas and other travel documents if they are lost, stolen, damaged or destroyed during your covered trip.

5If you are traveling on a Visitor Visa B-2 and are denied entry to the U.S. at the border, this benefit can reimburse you for the cost of either:

  1. An economy one-way ticket (air, land, or sea) to your country of origin; or
  2. A common carrier change fee to travel to your country of origin.

6 We will pay for eligible court-entered judgments or settlements approved by Seven Corners that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent acts or omissions that result in:

  1. Injury to a third person;
  2. Damage or loss to a third person’s personal property;
  3. damage or loss to a relative's personal property.


OPTIONAL COVERAGE
1Hazardous Sports
You must select this option during the purchase process to receive this optional benefit.
Up to medical maximum

1We cover typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.



BENEFIT PERIOD
1Benefit Period180 days

1This is the amount of time (180 days) you have from the date of your injury or illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country.
If you have returned to your home country, there is limited coverage under Extension of Benefits in Home Country.



This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.
Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.
It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven Corners to verify your eligibility for coverage.

Resources

 

Click on the following icons to learn more

Learn More

 

Click on each tab to learn more

Akeso Care & Medical Concierge Service
Akeso Care & Medical Concierge Service

Akeso Care Management® is a URAC-accredited international health care management company specializing in the complete spectrum of domestic and international medical management services. When you call IMG to Pre-Certify for hospitalization or major tests, this is the division of IMG who you will be connected to.

To learn more about Akeso Care, visit www.akesocare.com.

Akeso Care is available for all IMG international plans. You can contact Akeso Care by dialing 1-317-655-4500 (press 2).

Note: Akeso Care’s Medical Concierge Service is only available to those on the Long-Term Missionaries insurance plan. The Global Concierge Service is a separate service provided by IMG. See your Plan Information to learn more about the Global Concierge Service.
Deductible
Deductible

The dollar amount of eligible medical expenses, as outlined in your Policy Wording, that the insured person must pay per period of coverage prior to receiving benefits or coverage from the insurance company.
Hospital Indemnity
Hospital Indemnity

An amount paid directly to the insured person for each night of a required hospital stay (for a covered injury or illness). See your Policy Wording for amount paid per night and the maximum number of nights allowed.

You do not need to file a separate claim to qualify for an indemnity. The claims examiner will review the medical documents you submitted to determine your eligibility for an indemnity benefit payment.
Emergency Room Deductible
Emergency Room Deductible

An additional deductible will apply each time a person seeks treatment for an illness in an emergency room, which does not result in the person directly being admitted as a hospital inpatient. This deductible is in addition to the plan deductible.

When possible, for non-life-threatening illness, consider seeking treatment at a clinic or doctor’s office to avoid the potential cost of this additional deductible.
FAQ for Parents & Family
FAQ for Parents & Family
Paying for Treatment
Paying for Treatment

Many international hospitals do not have the ability to establish direct billing with an insurance company.

If a hospital or provider is unable to establish direct billing, then IMG will offer to send the provider a Guarantee of Payment (GOP) document. This document gives the provider an assurance that IMG will pay for services rendered.

If direct billing or a GOP cannot be established, you need to be prepared to pay for your treatment out-of-pocket. Because this is considered a personal expense, you need to have a credit card or way to access cash to pay for the bill. You can seek reimbursement later by filing a claim.

Carrying a credit card with a minimum of $1,000-1,500 to cover an unexpected injury or illness is recommended.

To learn more about paying for treatment, see Incident Checklist.
Continuation of Treatment Benefit
Continuation of Treatment Benefit

Check your Policy Wording to see if your insurance plan includes a “Benefit Period.”

If an illness or injury incurred on your trip requires continuing treatment once you return home, this benefit will continue your coverage for that specific illness or injury for a selected amount of time (i.e 6 months, 12 months) from the initial date of treatment.

IMPORTANT:

In order to be eligible for continuing coverage, you must seek treatment for the illness or injury during your trip, and have medical documents and a receipt for the treatment. The receipt or documentation needed to establish the continuation of treatment benefit must include:

    Your name
    Date of Service
    Diagnosis or reason for treatment


If you are seeking continuing treatment back home, be sure to check your ID Card for the network requirement. See Locate a Provider.

Present your IMG ID Card to the provider and let them know that your plan provides a benefit beyond the expiration date listed on your ID Card. If you have primary or domestic insurance in place, let the provider know that IMG is your secondary coverage. For further assistance in communicating with your provider, contact MissionSafe at service@missionsafe.com or at 800-682-3461.

Contact

 

Seven Corners

www.sevencorners.com

For 24/7 Travel Assistance
P: 1-800-690-6295
worldwide: 317-818-2808
collect: 317-818-2809

Adventures in Missions

www.adventures.org

For questions about your dates of coverage or how your insurance is purchased
P: 770-983-1060
Or, contact your Admissions Advisor

MissionSafe

www.missionsafe.com

For international insurance questions & claims assistance
E: service@missionsafe.com
P: 800-682-3461

World Insurance Association

www.wiaonline.com

For U.S. Staff domestic insurance questions & assistance
E: sainsworth@wiaonline.com
P: 770-394-3800