Frequently Asked Questions (FAQs)

Do your plans provide cover for COVID19?

COVID19 is a source of concern for most people. Many other insurance companies have limited or excluded cover for COVID19 due to the potential for high costs of treatment. A COVID19 medical bill could cripple a missionary’s finances and end their ministry.

Because of this, all Talent Trust plans cover COVID19 in full, including diagnostic tests, hospitalization, or ICU. This allows our members the peace of mind to give their best to their ministry now and into the future.

What hospitals or doctors can I go to?

If you are outside the USA, you can go to the hospital or doctor of your choice.

In the USA, you can seek treatment within Aetna’s PPO Network of approved providers.

What should I do if I have a medical emergency?

Please seek treatment immediately at any medical facility. Once you are able, please notify, or have someone else notify
Aetna(Phone +1 877 248 2197 free on Skype) within the following 48 hours. Aetna’s assistance staff will work with the medical provider to pay your bill.

What if I have something wrong with me in the field, it may or may not be serious and I might need to see a doctor, but I don’t know where to go. Can you help?

For assistance locating an appropriate medical facility for your needs, our US-based and International teams have extensive experience and can help you identify the best place for treatment.

For convenience and peace of mind our vHealth Worldwide service also allows you to have a video call with a doctor 24/7 for free. The vHealth Worldwide doctors can prescribe medication, give advice, and identify if you require additional in-person treatment.

Do I need to pay first and then claim back afterwards?

In most cases, Aetna can pay your bill directly with a medical provider. For smaller out-patient claims, and in some less developed locations, you may need to pay yourself and claim back after.

How long do claims take?

If you have to pay and then claim, our experience is that as long as all the necessary documents are submitted correctly, the forms are processed in under five days, 85% of the time.

What if I need an evacuation?

If you are in a location that does not have appropriate medical facilities to treat you, all our plans cover medical evacuation up to USD $1,000,000.

Aetna has a 24/7 International Assistance team with medical personnel who can assess and assist you remotely as well as arrange an evacuation for you.


Example: If I’m serving in Nepal and I need a medical evacuation, will you evacuate me back to my home country?

A medical evacuation is usually a time-critical event and a delay in treatment can lead to permanent disability or loss of life. Therefore, if you need evacuating from Nepal, Aetna would initially evacuate you to a nearer country such as Thailand or Singapore with world-class medical facilities. Once you were well enough to continue, then you have the choice of being sent home for further treatment or returning to Nepal.

Is this insurance only for missionaries and church workers?

Yes. We provide missionaries and church workers with resources to stay physically, mentally, and financially healthy so they can thrive as long as they are called into the field.

What do I need to do to sign up?

Please use our Sign Up form to send us your details, it takes about 5 minutes to complete.

If you have any medical conditions you need to declare, we will need to check these with our underwriters, so it may take a little time to do this.

Do you work with groups and have references?

We have worked with over 1,200 different mission agencies and churches. If you are part of a group, we can offer group discounts if more than 2 people are joining us.

If your group needs a unique solution for your insurance needs, we can tailor plans for you.

We have many good long-term relationships with the groups we cover, and they will be happy to speak with you about their experience working with us. A sample of groups we work with include YWAM, Mercy Ships, Shepherd’s Staff, World Partners and many others with over 1,000 members.

Group Introductory Discounts
3-10 members: 20% discount
10 members or more: 30% discount