A mission group mentioned "Kidnap & Ransom coverage" on it's website to reassure families. Within days, suspicious inquiries and activity prompted authorities to abort the trip. The case underscores that publicizing security coverage can invite risk, making confidentiality essential to safe, responsible mission travel.
Travel Medical Insurance
Kidnapping and ransom coverage
Security Risk
A traveler flew home after learning her sister was near death, purchasing her ticket before the official time of passing. Her Trip Interruption claim was later denied. This case underscores how timing and documentation determine whether a compassionate emergency qualifies for coverage.
Claim Denied
Trip Interruption
A traveler’s claim for a minor injury during a casual game abroad was denied when the activity was mistaken for an “organized sport.” Understanding how insurers define “athletic activity” can prevent unnecessary denials and ensure accurate reporting on claim forms.
Claim Appealed
Injury
A traveler to Costa Rica suffered a sudden fatal medical event shortly after arrival. Local partners arranged repatriation without insurer authorization, causing difficulty in filing the claim. This highlights the need for immediate notification and coordination when a death occurs abroad.
Claim Approved
Hurricane coverage depends on timing—when the policy was purchased, when the storm was named, and whether governmentevacuation orders were issued. This case outlines how timing, documentation, and insurer coordination define what’s covered when nature strikes.
Trip Cancellation Insurance
Natural Disaster
Duty of Care is more than a legal requirement—it’s a proactive framework for protecting travelers through risk assessment, preparation, and continuous support. By establishing clear safety policies, maintaining international medical and evacuation coverage, and providing pre-trip training and real-time communication, sending organizations demonstrate responsible stewardship and accountability.
Duty of Care
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