Why Do I Need Adventure Travel Medical Insurance?

Adventure travel is a thrilling way to see the world. It allows you to escape your daily routine by exploring a new environment and pushing the limits of your endurance. Whether you’re gearing up to hike Peru’s grueling Inca Trail or take a recreational ski trip through the Alps, adventure travel has its risks.

Here are three reasons to consider adventure travel medical insurance that travels with you as you explore the world:

  1. No matter the destination you choose or the activities you plan, there’s always a chance you could face an unexpected illness or injury. Certain adventure travel activities can increase your risk of facing illnesses and injuries resulting from acute mountain sickness, decompression illness, equipment failure, falls, and wildlife attacks. Adventure travel medical insurance can provide coverage for medical expenses resulting from hospitalizations, surgery, emergency medical evacuation, and more.

  2. Your regular health insurance may not cover you outside of your home country. That’s why the U.S. Department of State recommends that you “ask your medical insurance company if your policy applies overseas – and if it covers emergency expenses such as medical evacuation.” If it doesn’t, adventure travel medical insurance can provide the international coverage you need.

  3. Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses incurred in your host country. Our Atlas Travel plan meets the requirements of many visas, including Europe’s Schengen visa. Atlas Travel also provides policyholders a visa letter you can use to help prove your ability to pay for unexpected medical expenses.

What Does Travel Medical Insurance For Adventure Travel Cover?

In the face of an unexpected medical emergency during your trip abroad, an adventure travel medical insurance plan can provide emergency travel assistance as well as important medical and emergency travel benefits.

Our Atlas Travel insurance plan pays 100% of eligible expenses after the deductible and up to the overall maximum limit. You can customize your Atlas Travel plan by choosing your deductible, coverage length, and overall coverage maximum. You can even increase your coverage amounts for several key benefits at purchase.


Some Atlas Travel Highlights Include:

  • Up to $2,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Medical benefits including Hospital Room & Board, Local Ambulance, Intensive Care Unit, and Emergency Dental (Acute Onset of Pain)
  • Coverage for injuries resulting from *covered sports and activities (learn more below)
  • Emergency travel benefits including Political Evacuation, Natural Disaster – Replacement Accommodations, and an optional rider that includes Natural Disaster Evacuation

*See the Description of Coverage for a list of excluded activities.

Did You Know?

“Travelers should be educated about the traumatic risks of their intended travel activities and encouraged to plan their travels prudently, as nearly 66% of injuries sustained among travelers are preventable.”

- International Journal of Travel Medicine and Global Health

Follow These Precautionary Measures:

  • Discuss your plans with your doctor during a pre-travel checkup
  • Seek advice regarding the presence of dangerous wildlife
  • Select reputable tour companies
  • Perform thorough equipment checks
  • Use modern equipment that meets international standards
  • Use mobility aids such as hiking poles
  • Gradually acclimate to higher altitudes and pressure changes
  • Up to $1,000,000 for Emergency Medical Evacuation
  • While participating in water sports, stay in the safe area, do not speed, wear a personal flotation device, and use the buddy system

Sports & Activities Covered Under Atlas Travel Insurance

Because no adventure would be complete without a few thrilling sports and activities, Atlas Travel insurance offers coverage for a number of sports and activities.

Review the “Sports and Activities” section of the Atlas Travel Description of Coverage for full benefits, conditions, and exclusions. Learn more about sport and activity exclusions below. 

Some Covered Mountain Sports Include:

  • Fell walking/running
  • Indoor and outdoor rock climbing
  • Mountain biking
  • Mountaineering (at elevations under 4,500 meters)
  • Rappelling
  • Rock scrambling
  • Snowboarding (recreational downhill and/or cross country)
  • Snow skiing (recreational downhill and/or cross country)
  • Via ferrata

Some Covered Sky Sports Include:

  • Zip lining
  • Zip trekking

Some Covered Water Sports Include:

  • Body boarding
  • Scuba diving (must be PADI/NAUI/SSI certified or accompanied by a certified instructor at depths fewer than 10 meters)
  • Surfing
  • Wakeboarding

In Order to Be Eligible for Coverage, You Must:

  • Be taking part in amateur/non-professional/non-organized sports or activities for recreational purposes incidental to a trip
  • Wear the appropriate safety equipment (i.e. protective headwear, a life jacket, etc.)

How Do Atlas Travel Benefits Work In Action?

1. A few days into your trip, you fall seriously ill or injured and need to seek medical treatment.

As an international adventure traveler, you may be exposed to health risks such as jet lag, acute mountain sickness, decompression illness, mosquito-borne illness, food contamination, dangerous wildlife, or equipment failure. Plus, there’s always a risk of injury and fatal falls while participating in recreational sports and activities. If a covered injury or illness results in a trip to a hospital, Atlas Travel will cover eligible costs for diagnostic testing, which may include:

  • MRI’s
  • X-Rays
  • Ultrasounds
  • Laboratory services for internal injury examinations

Coverage also includes eligible costs resulting from:

  • Hospital room and board
  • Intensive care unit
  • Local ambulance (only when hospitalized as inpatient)
  • Surgery
  • Physical therapy, and more

Review full benefits, conditions, and exclusions here

2. You suffer a sever injury while hiking through a remote region of South America.

You’re taken to the nearest medical facility for treatment, but the local facility does not have the equipment required to provide the medically necessary treatment.

Fortunately, you’re covered under Atlas Travel’s Emergency Medical Evacuation benefit. This benefit will pay up to $1,000,000 to transport you via air or ground transportation to the nearest hospital properly equipped to treat you and save your life or limb.

Learn more about the Emergency Medical Evacuation benefit and how it works.

3. You face a worst-case scenario resulting in the loss of your eyesight, limb(s), or life.

While no one wants to consider the possibility of losing an eye, limb, or their life while exploring the world abroad, it’s important to ensure that you or your beneficiary would be compensated for a worst-case scenario.

If you suffer a covered accident that results in the loss of one or more of your limbs or complete and irreversible loss of sight in one or both of your eyes, Atlas Travel will provide compensation – up to the amount stated in your schedule of benefits and exclusions – for eligible damages.

In the unfortunate event of your death, you may be covered for a local burial or the transportation of your remains back to your home country. For a covered accidental death, the full amount outlined in your policy documents will be paid to your beneficiary.

Learn more about the Accidental Death and Dismemberment (AD&D) benefit. Review the Atlas Travel Description of Coverage for full conditions and exclusions.

4. An unexpected natural disaster strikes, displacing you from your paid accommodations.

If a forecasted or sudden natural disaster forces you to evacuate planned and paid accommodations, Atlas Travel will cover up to $250 per day (for up to 5 days) for replacement accommodations. Covered natural disasters include:

  • Avalanche
  • Earthquake
  • Flood
  • Impact Event
  • Landslides and Mudslides
  • Tornado
  • Tsunami
  • Volcanic Eruption
  • Wildfire

Note that there are limitations regarding hurricanes and typhoons. Review the “Natural Disaster – Replacement Accommodations” section of the Atlas Travel Description of Coverage for more details.

5. The U.S. Department of State issues a level 3 or higher travel advisory for your destination after you've

If you contact WorldTrips within 10 days of the travel advisory being issued, your Political Evacuation benefit will provide up to $100,000 to transport you to the nearest safe country or back to your home country.

We will work with On Call International to coordinate your travel arrangements and determine to which country you will be evacuated.


Why Choose Atlas Travel Insurance?


Atlas Travel insurance is available to individuals 14 days old and up—including seniors and individuals over 80 years old—who are traveling outside of their home country. Coverage is available for trips up to 364 days. After your initial purchase, you will have the ability to extend your coverage via Member Portal, our online policy management portal.


You can purchase group coverage while traveling, extend your coverage after purchase, or cancel your policy if your plans change. Your policy documents will be sent to your email address immediately upon purchase. You can also visit our Find a Doctor page to find qualified medical providers in your destination country.

Customizable Coverage 

Customize your policy by choosing the deductible, length of coverage, and overall coverage maximum that best align with your travel needs. You’ll also have the option to upgrade your coverage amounts for several key benefits.

Multilingual Travel Assistance

As an Atlas policyholder, you'll have access to our multilingual travel assistance services 365 days a year. Emergency services are available 24/7. Travel assistance services include referrals, translation assistance, help replacing lost or stolen travel documents, medical monitoring, coordination of emergency travel arrangements, and more.

Are There Any Exclusions To Keep In Mind?

Like all travel medical insurance policies, Atlas Travel excludes certain scenarios and expenses from coverage. Visit our Atlas Travel page for an overview of the plan’s general exclusions or review the Atlas Travel Description of Coverage for a full list.

Exclusions Related to Adventure Sports and Activities

Atlas Travel insurance will not cover sports and activities if the following apply:

  • The sport/activity is organized and involves regular or scheduled practice or games
  • The sport/activity is performed professionally or for any wage, reward, or profit
  • Expenses result from a *pre-existing condition
  • Expenses result directly or indirectly from anything listed in the General Exclusions

Certain extreme sports and activities are excluded from coverage. Here are some of the more asked-about exclusions:

  • American football
  • Hang-gliding
  • Motorized dirt bikes
  • Parachuting, paragliding, & parasailing
  • Snow mobiles
  • Spelunking
  • Whitewater rafting

Review the “Sports and Activities” section of the Atlas Travel Description of Coverage for a full list of excluded sports and activities.

*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.


WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.