What Is Family Travel Medical Insurance?

An international trip can be a great way to create unforgettable memories with your loved ones. However, it’s wise to consider the unpredictable issues that might occur, such as travel delays, injuries, and illnesses.

Family travel medical insurance is insurance that you purchase to protect your family in case the unexpected occurs while you are abroad. It typically includes medical benefits for the treatment of injuries and illnesses incurred abroad, emergency travel benefits (i.e. Emergency Medical Evacuation), and coverage for travel mishaps like the airline losing your checked luggage.

Family travel medical plans tend to vary in their coverages and coverage amounts, so it’s important to assess your family’s needs and choose your plan accordingly. Plans like Atlas Travel offer increased flexibility by allowing you to select your deductible, coinsurance, and policy length.


Why Do I Need Family Travel Medical Insurance?

Here are three reasons to consider family travel medical insurance for your trip abroad:

1. No matter the destination you choose or the activities you plan, there’s always a chance you could encounter a travel mishap, accident, or illness that calls for global insurance coverage. Overseas vacations can expose travelers to new environments, unfamiliar foods, and foreign bacteria. Family travel medical insurance can cover eligible hospitalizations, surgery, travel delays, trip interruptions, and other expenses required to get your trip back on track.

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, family 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 Family Travel Cover?

In the face of an unexpected medical emergency abroad, family travel medical insurance can provide emergency travel assistance as well as important medical and emergency travel benefits.

Our Atlas Travel insurance plan pays 100% of eligible expenses within the U.S. PPO network and outside the U.S., 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)
  • Up to $25,000 for Personal Liability
  • 7 deductible choices: $0, $100, $250, $500, $1,000, $2,500, or $5,000

Did You Know?

Over 56% of Americans are unsure whether their domestic health plan would cover emergency medical care outside the U.S, according to a survey from Insure My Trip.

Do you know if your regular health insurance will cover you during your family trip abroad?

How Do Atlas Travel Benefits Work in Action?

Here are just a few scenarios where having family travel medical insurance coverage like Atlas Travel could make all the difference in the world:

1. Your spouse comes down with an unexpected illness that requires admittance to a hospital.
Medical emergencies are scary enough when you’re in your home country, let alone a foreign country where you’re not familiar with the healthcare system – and you may not even speak the language.

With family travel coverage, you’ll have access to first-rate hospitals, quality doctors and specialists, and coverage for the necessary emergency transportation services. With an Atlas Travel policy, for example, your spouse would be covered for the cost of a local ambulance, the intensive care unit, and hospital room and board for covered injuries or illnesses that result in hospitalization.

Atlas Travel policyholders also have access to a full line of travel assistance services(i.e. translation services, lost travel document assistance, and more) available in multiple languages 365 days a year.

You’re taking a family hike through a somewhat remote region of Europe and your teenage son falls and becomes seriously injured.
He’s taken to the local emergency medical facility, but the facility cannot provide him with medically necessary treatment. If he is covered under an Atlas Travel medical insurance policy, then he will be covered for the cost of transportation to a nearby hospital equipped to provide necessary, life-saving treatment.
You’re relaxing on the beach when you receive the devastating news that a member of your immediate family has passed away.
Depending on the circumstances, you may wish to return home immediately. Under Atlas Travel’s Trip Interruption benefit, you will be covered for the cost of an economy, one-way air or ground transportation ticket to the terminal serving the area where you live.

You’re at the airport ready for your initial departure – and then heavy fog causes your 4 p.m. flight to be delayed until the following morning.
Not only will you now need to find a last-minute hotel room that accommodates your entire family, but you’ll have to pay for meals that you hadn’t planned for when making your budget. Under Atlas Travel’s Travel Delay benefit, you’ll be reimbursed up to $100 a day for reasonable accommodations and meals if your covered, 12-plus hour delay requires an unplanned overnight stay.

You’re traveling with your two small children when you come down with a covered illness that requires a week-long hospital stay.
Because you’ll be unable to care for your young children for a period lasting over 36 hours, you’ll be covered for the cost of a one-way ticket for each child back to the terminal serving the area in which you principally reside.

Why Choose Atlas Travel Insurance?

Atlas TravelAtlas Premium, and Atlas Group policies from WorldTrips offer all of the above benefits - and more. Atlas policies also offer:


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?

Certain types of expenses are excluded from all Atlas Series plans. Here are some of the more asked-about exclusions:

  • *Pre-existing conditions
  • Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
  • Routine pre-natal, pregnancy, childbirth, and post-natal care
  • Medical expenses for injury/illness resulting from participation in some extreme sports
  • Medical expenses related to any form of cancer or neoplasm
  • Mental health disorders
  • Injury due to whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

For a full list of exclusions, be sure to review the Atlas Travel Description of Coverage.

*A pre-existing condition is any 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.