The Omega Plan
Designed for missionaries serving more than one year, includes full US cover.
Omega is an international Private Medical Insurance plan designed for missionaries. Members also have access to extra resources to stay physically, mentally, and financially healthy, so they can be their best and have the greatest impact in their calling.
Omega provides full coverage in a missionary’s home country should a member need to return home for treatment, or during times of furlough.
Note: Omega provides cover globally, including within the USA. It is ideal for long-term American missionaries or those spending part of their time in the States. If you are neither American nor require cover within the USA, then we recommend our Alpha Plan.
The Table of Benefits
|Annual maximum limit per insured person||$1,000,000|
(no lifetime limit)
|Excess/Deductible options are based on claims Inside/Outside of the USA.|
Excess- $400/$100, $800/$200, $2,000/$500, $4,000/$1,000 and $5,000/$100
|Emergency medical evacuation||$1,000,000|
(no lifetime limit)
|Video/Telemedicine Available globally. Free 24/7 Unlimited Use||✔|
|Pandemic cover – including COVID vaccinations of up to $250||✔|
|Terrorism medical cover||✔|
|Medical practitioner, specialist consultation or nursing fees||✔|
|Prescription medication and dressings||✔|
|Physiotherapy or occupational therapy – 20 sessions, covered in full. A medical report will be required for more sessions||✔|
|Emergency treatment in a dedicated emergency room of a hospital or urgent care facility||✔|
|ICU cover $1,500/day up to 180 days||✔|
|Inpatient & day patient hospitalization covered in full||✔|
|Outpatient treatment covered in full||✔|
|Surgery and associated fees from medical practitioner and medical facility||✔|
Diagnostic and surgical procedures covered in full per examination including:
|Normal pregnancy (10-month waiting period) $10,000 per pregnancy with the Level 2, Hybrid & Deductible Plans.|
$25,000 per pregnancy with the Level 1 Plan. The Level 3 & Level 4 Plans do not include pregnancy cover.
|Pregnancy complications (10-month waiting period)||✔|
|Annual wellness check-ups $400/person (20% co-insurance)||✔|
|Local ground ambulance $1,500 per event||✔|
|Auto or motorcycle accidents||✔|
|Burial / cremation / return of mortal remains $15,000 per person||✔|
|Organ transplant $250,000 per lifetime||✔|
|Congenital anomalies $100,000 per medical condition||✔|
|Newborn hospital accommodation – to accompany a mother who is receiving inpatient treatment||✔|
|Parent hospital accommodation – to accompany a child receiving inpatient treatment||✔|
|Traditional chinese medicine||✔|
|Rehabilitation 120 days per medical condition||✔|
|Alternative treatments including a chiropractor, osteopath, homeopath, podiatrist or acupuncturist – 20 sessions covered in full. A medical report will be required for more sessions||✔|
|Psychiatric Treatment Inpatient: $5,000 with a 30-day limit. Outpatient: Limited to $5,000||✔|
|Accidental damage to teeth $2,500||✔|
|Surgical extraction of teeth $2,500||✔|
|Treatment of acute medical conditions caused by chronic conditions||✔|
|Ongoing chronic conditions management $3,000||✔|
|Hormone replacement therapy 3 months per lifetime||✔|
|Home nursing 30 days per medical condition||✔|
|Hospice care 30 days||✔|
|Convalescent care costs incurred in the first 30 days||✔|
|Hospital cash benefit $125/night up to 20 nights||✔|
|Choice of hospitals/doctors USA – Aetna PPO, Elsewhere – unrestricted||✔|
|20% coinsurance applies in the USA only, up to $10,000/person||✔|
✔ Covered up to policy limit or limits indicated, excess/deductible and co-insurance where applicable.
At Talent Trust, we reward our members for staying healthy, which helps us to keep our premiums down. See how you can save up to 50% of your premium.
It’s our privilege and joy to support missionaries with our unique service so that they can thrive in the field. Our team has unparalleled experience and knowledge, with a heart to serve.
myStrength is an online tool, free with all of our policies, to help you live your best life. You will find help for stress, anxiety, chronic pain and more.
Feel secure and protected with a Talent Trust Insurance Plan
These comprehensive services are included for free with our plans.
Designed with extra resources to stay physically, mentally, and financially healthy, so you can thrive as long as needed in your calling.
EAP Expat Assistance Program
Access therapists, counselors, coaches, lawyers and many other services to help you thrive in the field.
No Claims Bonus
We reward our members for staying healthy, which helps us to keep our prices down.
A faith-based video library designed to help you thrive in every area of life.
TT Gives Back
We support members and their missions by giving back a portion of our income
TT Mercy Fund
We tithe 10% of our income into a discretionary Mercy Fund to cover things that fall outside of scope of our insurance policies.
TT Referral Bonus
We reward our members when they tell their long-term friends about what we do.
Connect with an approved doctor 24×7. Whenever and wherever you need it.
Global security advice, planning and alerting.
Our mission is to support missionaries so they can thrive in the field. We offer more than a broker or a traditional insurance company.
At Talent Trust we want missionaries to be their best, so we provide resources that any missionary can access for free to help them and their ministry.
Group coaching on topics such as navigating transitions, language learning, support raising, and more.
Maintain and improve your fitness – so you can bring more of yourself to your ministry.
Everyone’s needs are different. We have a great insurance policy and then allow you to personalize it. We offer multiple levels of excess and deductible. These are the amounts paid before any benefits are paid by the policy. The higher your choice of excess or deductible the lower your premium. We also have other optional areas of coverage below.
Our Most Popular Omega Plans
|Omega Excess 800/200||Excess|
Within USA $800
|Moderate excess option.|
Includes pregnancy benefit.
Most popular for those requiring
regular US cover.
|Omega Deductible 1600/400||Deductible|
Within USA $1600
|Moderate deductible option.|
For Americans overseas, comprehensive protection against large medical bills.
Includes pregnancy benefit.
|Omega Excess 5000/100||Excess|
Within USA $5000
|High excess for treatment in the USA, with lowest excess for treatment outside of the USA. Includes pregnancy benefit.|
Most popular option for those not intending to travel to the USA.
Other levels of Excess/Cover that might suit your situation
|Omega Excess 400/100||Excess|
Within USA $400
|Lowest excess option.|
Includes pregnancy benefit.
|Omega Excess 2000/500||Excess|
Within USA $2000
|Higher excess, no pregnancy benefit, lower premium.|
Cover for large medical bills.
|Omega Excess 4000/1000||Excess|
Within USA $4000
|High excess, no pregnancy benefit, lowest premium.|
Protection from large medical bills.
Dad age 34, Mom age 32, child age 8, child age 6 = $7,732/year (Pricing based on Omega Excess 800/200 or Omega Deductible 1600/400 which include pregnancy cover)
*Excess: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The excess is applied once per medical condition, per person. It is not reapplied the following year.
Deductible: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The deductible is applied per person, per year.
Everyone’s needs are different. We have an excellent insurance policy and then allow you to personalize it to your needs.
All amounts are in US Dollars
This option covers pregnancy, childbirth, and elective cesarean sections, after the first ten months from its purchase date, for any treatment cost associated with normal pregnancy, or any related condition.
$10,000 maternity is included with:
• Omega Excess 800/200
• Omega Deductible 1600/400
• Omega Excess 5000/100
$25,000 maternity is included with:
• Omega Excess 400/100
This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition which manifests after its purchase date from $3,000 to $50,000 per year. HIV/AIDS coverage limited to $10,000.
Under the standard program rules, the initial diagnosis of a chronic condition will be covered up to the maximum program limit. All routine management and palliative medical expenses for the chronic condition will be limited to $3,000 per year after the initial diagnosis.
Pricing: $1,136 per Adult and $385 per Child.
Note: This option is applied to all dependents on the policy.
A straightforward and effective travel insurance policy that works while you’re away from your home country and overseas country of residence. Please note that for children, this option is only necessary if the child travels alone.
Cancellation & Curtailment: Up to $1,500 for unused travel and accommodation costs, should you have to cancel or cut short your projected journey.
Luggage, Clothing & Personal Effects: Up to $1,000 for loss of, or stolen to, luggage, clothing and personal effects. $1,000 in respect of loss of a notebook computer and up to $300 for the loss of a camera or musical instrument.
For loss of luggage, we will pay $20 per kilogram of the luggage weight. Documentation of carrier’s rejection of claim for loss of luggage and proof of luggage weight is required when submitting a claim. Our liability for each claim shall be limited to $500.
Personal Money: Up to $500 for the loss of cash, bank or currency notes, traveler’s cheques, passports, etc., including reasonable expenses incurred as a result of a loss.
Excess: $50 for each claim ($100 in the USA).
Territory: Worldwide, excluding a member’s Home Country and Normal Country of Residence.
Pricing: $30 per Person
This option provides cover for reasonable travel and accommodation for one insured person (together with any minors) per policy having to travel to and return from the normal Country of Domicile or Country of Residence when:
- A parent has unexpectedly suffered a life-threatening accident, life-threatening illness, or suffered sudden death from any condition (which did not pre-date the purchase date of this agreement).
This covers $1,500 of the costs for travel and is limited to no more than two claims in any five years.
- A near relative is unexpectedly placed on the critical list following an accident. This covers $3,000 towards the cost of travel per incident.
Pricing: $384 per Policy
A lump sum payment of $100,000 in the event of…
1. Accidental Death
2. Permanent Total Disablement from usual occupation following Accident
3. Loss of and/or loss of use of eyes and/or limbs following Accident
Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.
Pricing: $212 per Adult
This option will provide the cost of return economy-class travel to the country of the nearest appropriate medical facility, in the event that a member requires inpatient or day patient non-emergency treatment that is unavailable at the member’s current location. Subject to written agreement from us, and certified instructions from the attending medical practitioner or specialist including confirmation that the required treatment is unavailable at the place of incident. Limited to $500 per period of cover (subject to 20% coinsurance).
Emergency travel benefits are included as a standard benefit within the policy.
Note: The option, if purchased, must be applied to all dependents on the policy.
Pricing: The pricing is based on the premium rate for the Omega policy. You can simply get a quote to see the price. You will have the option to de-select before purchasing.
Routine Dental Cover
Includes examinations and tooth cleaning, normal compound fillings, porcelain crowns and extractions, but excludes root canal treatment, false teeth, denture, corrective, orthodontic or cosmetic treatment carried out by a dental surgeon in a dental surgery; up to $250 per insured person per period of cover. This cover is subject to a 6-month waiting period.
Pricing: $195 per Adult, $50 per Child.
Notes: Only available on Excess 400/100, Excess 800/200 and Deductible 1600/400 plans.
This option is applied to all dependents on the policy.
Applies to one eye exam and prescription costs for:
• Contact lenses
• Spectacle lenses
• Spectacle frames
Pricing: $78 per person.
Must be applied to all dependents on the policy.
Policy excess/deductible does not apply to this benefit. 50% coinsurance inside the USA and 20% coinsurance outside of the USA.
Crisis Assistance Program (CAP)
CAP Provides Crisis Support for:
• Natural Disasters
• Political Threats
• Violent Crime
Along with 24/7 live support, the CAP Advantage App delivers real-time travel risk support to help members steer clear of security threats altogether.
Pricing for CAP is $90/year per adult and $60/year for each dependent child.
Travel to the following countries is not covered: Afghanistan, Libya, Iran, North Korea, Russia, Somalia, Sudan, Syria, Ukraine, Venezuela, and Yemen.
CAP does not provide evacuation services to members serving in countries where the member’s passport country advises against all travel, such as US Travel Advisory Level 4 countries for US citizens. If the member’s country does not have a formal travel advisory, the US travel advisory will be used. If the member is in a US Level 4 country (the travel advisory advises against all travel), they can only access the Crisis Response Center (CRC) to get advice on their situation.
Terms and More Info
Co-Insurance: For treatment received within the preferred provider network in the USA, members will be liable for the first 20% of any admissible cost up to an annual limit of $10,000 per insured person per period of cover and also, the first 20% of any admissible cost incurred for Well Child Care and Annual Wellness Check. The coinsurance is applied after any deduction for excess applicable to the policy.
The following benefits are not subject to an excess/deductible and coinsurance:
- Emergency Evacuation
- Mortal Remains
- Emergency Transportation
- Hospital Cash Benefit
The Complications of Pregnancy benefit is not subject to coinsurance.
The following benefits are not subject to an excess/deductible:
- Well Child Care
- Wellness Benefit