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Travel Insurance

Orphan Outreach purchases secondary insurance for each trip participant traveling with us on a mission trip. The cost of the secondary insurance is included in your land cost. Information completed in your application (such as listing your designated beneficiary) is used by our missions office to purchase the insurance. Your trip leader is trained to know what to do in case of emergency and will carry the needed documents during your trip.

Gallagher Charitable International Insurance Services (formerly Adams & Associates International® (A&AI)) has developed a plan for volunteers on an international short-term mission trip while on active service with Orphan Outreach. The insurance purchased for the short-term mission trip is a secondary insurance that, for example, covers lost or stolen baggage all the way to emergency medical evacuation. The coverage provides a basic level of Personal Accident Protection, Permanent Total Disability and Property Insurance and is not intended to replace any personal insurance that you may currently have. In case of an incident, the trip participant will need to pay charges and then get reimbursed through the insurance company after filling out the proper claim form after the mission trip.

Please see below for a brief summary of the coverage and some of the features of the policy.

INSURANCE BENEFITS FOR Orphan Outreach

MEDICAL ASSISTANCE

Medical Assistance can help the travelers get medical attention when someone suddenly becomes ill or is in an accident by:
  • Locating medical facilities, including physicians, hospitals, or dentist
  • Verifying insurance coverage
  • Making arrangements with providers of medical care to avoid cash deposit, where possible, prior to obtaining treatment
  • Communicating with family members, personal physicians, and employers back home on the patient's condition
  • Assisting family or friends who are traveling with the patient

EMERGENCY MEDICAL EVACUATION

Emergency Medical Evacuation will make proper medical care available from anywhere.

Medical Advisers are always on hand to consult with attending physicians to make sure patients are receiving the correct medical care.  However, sometimes more sophisticated treatment is warranted - treatment which may require evacuation to better medical facilities.

If deemed medically necessary by SAS International Services, arrangements will be made for land and air transportation, including passage on either a commercial or chartered air ambulance, with in-flight physicians, paramedics or nurses and in-flight equipment and supplies.  All family arrangements and immigration and customs details will also be handled.

Approved travel expenses associated with medical evacuation will be covered up to $75,000 under this program.

REPATRIATION

Arrangements for repatriation of the remains of a deceased person will be made.  (Some countries forbid the shipping of the deceased.)

FAMILY COORDINATION

Approved expenses of family members travelling with a person requiring medical evacuation, or with the remains of a deceased person combined limit of $25,000.

LEGAL ASSISTANCE

Legal Assistance provides travelers with a resource to find English-speaking attorneys if they are in danger of being arrested as the result of any non-criminal action, or needing to replace lost or stolen documents, such as passports, or personal items, such as luggage.

WHAT IS red24 alert?

red24 alert is a worldwide security service available to help members manage or avoid personal risk to themselves and their families. This is accomplished through effective risk management support and an evacuation and repatriation program.

Members have access to advice on both a preventative and reactive level, relating to personal security, risk and travel, through:
  • A members-only website
  • Personalized briefings
  • Assistance online, phone and email, 24/7
  • Access to a 24-hour physical response service to life-threatening situations, anywhere in the world
  • Peace of mind that potential risks are being minimized and that removal from a potentially life threatening situation is both planned and possible

The crisis response team assesses each situation and deploys a security specialist, if necessary, to assist the client. The specialist will assist in the assessment, containment and management of the incident and the member will be evacuated to the nearest place of safety, at our discretion; or repatriated to their country of permanent residence.

SUMMARY OF COVERAGES:

Accidental Death and Dismemberment — $100,000
Principal Sum
(reduced to $10,000 for those under age 12 and over 70)

Medical Expense, $100 deductible — $10,000
$2500 of this limit is available to pay US providers: no pre-existing condition exclusion

Emergency Medical Evacuation — $100,000
Coordinated by SAS: will bring insured back to USA: no pre-existing condition exclusion.

Extra Expense — $2,500
Covers extra expenses incurred during an approved medical evacuation

Family Coordination & Repatriation of Mortal Remains — $25,000
Combined limit for both benefits

Assistance Service — $100,000
Available 24/7/365 for assistance with worldwide medical emergencies: provided by SAS

Crisis Management Service — $100,000
Available 24/7/365 for assistance with worldwide non-medical emergencies: provided by SAS

General Liability — $1,000,000
Worldwide jurisdiction: covers volunteer and sending organization; includes coverage for injury to a volunteer

Property — $2,500
Replacement cost coverage: includes checked baggage: "door to door" coverage

Disability Income
First 100 months - Accident — $1,000 / per mo.
Months 101-200 - Accident — $500 / per mo.
50 months - Sickness (after 3 month waiting period) — $250 / per mo.

Aggregate Limit — $20,000,000
Provides the full $100,000 AD&D benefit for up to 200 persons in a common accident; higher limits available

Gallagher Charitable International Insurance Services (Travel Insurance)
Telephone: (803) 758-1400
Fax: (803) 252-1988
Toll Free Client Services Line: (800) 922-8438
In the event of an emergency - After hours our telephone system has an answering service which can locate us for call back OR contact:

SAS Assistance
Call London, England - 24 Hour Service
Telephone: +44 (0) 207.902.7149
Facsimile: +44 (0) 207.928.4748
Email: Operations@specialty-assist.com
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