Adventures. Challenges. Lifelong friendships. Pathfinder ministry is full of unforgettable moments—but it’s also full of risk. This article breaks down the tailored insurance coverage that protects Pathfinders, Adventurers, and club leaders on trips, at camp, and even abroad. It’s more than a policy—it’s peace of mind for every journey.
I remember exciting adventures as a Pathfinder in my home country. The weekly activities—learning about knots, animals, plants; diving into God’s word; and forming friendships—remain engraved in my memory. However, nothing compares to the anticipation and excitement before a camp, followed by unforgettable memories and endless laughter!In those days, I was unaware of any insurance protection for the varied activities and events in my Pathfinder club. I simply trusted that I was safe under the care of my leaders. Today, I understand that leadership prioritised risk management and relied on insurance to mitigate the consequences of unforeseen accidents.
Pathfinders is a unique ministry, and as such, it deserves equally specific insurance coverage. With a strong commitment to protecting the ministries of our church, ARM has developed a special accident insurance plan tailored for Pathfinders.
The policy covers medical expenses related to accidents and compensates in the case of accidental death or dismemberment. The coverage amount varies depending on the plan selected—there are five plans to choose from.Additionally, in cases of emergency medical evacuation or repatriation of remains, 100% of the covered expenses are borne by the insurance. For further details, you can consult the Pathfinder Insurance Summary, also located in Summary Documents under Pathfinder Insurance.
This insurance extends to Pathfinders, Adventurers, other youth clubs, and leaders, offering protection against accidents that may occur during regular club activities, and which covers members while travelling directly between home and event locations, both domestically and internationally.
Even though coverage remains effective for Pathfinder events abroad, for activities outside your home country, we strongly recommend purchasing Short-Term Travel Insurance. Travel insurance provides additional coverage for sickness, trip cancellations, and damage or loss of personal belongings—areas not included in the Pathfinders policy. Together, these policies ensure comprehensive protection while participating in church-approved events abroad.
For events and regular activities in your home country, even in regions with free healthcare systems, Pathfinders Insurance remains invaluable.
Here’s why:- Coverage Beyond Healthcare: Free healthcare systems primarily focus on medical treatment, but Pathfinders Insurance also covers costs like accidental death, dismemberment, and emergency medical evacuation, which may be excluded from public healthcare.
- Activity-Specific Risks: Pathfinder clubs frequently engage in outdoor activities such as camping or hiking, which come with unique risks. This insurance provides tailored coverage for these usual activities.
- Global Applicability: If club members travel to countries without free healthcare, the insurance ensures they are protected.
- Peace of Mind: It offers an extra layer of security for parents and guardians, knowing their children have insurance coverage during club activities.
