How Family Travel Health Insurance Benefits You

Planning a trip abroad isn’t easy. There are a lot of steps to take before your departure date arrives. But in between booking your flight and accommodations and scouring tourism sites for fun activities to enjoy, make sure you take some time to consider the health and safety of you and your family.  

One of the key steps you should take is to purchase family travel health insurance that covers you and your loved ones abroad.


International travel has its risks, and your domestic health plan may not cover you outside your home country—many domestic plans do not.

So what happens if you forgo family travel health insurance and your regular insurance doesn’t cover international travel? To put it simply, if you or your children become unexpectedly ill or injured during trip, then you could be solely responsible for covering the medical expenses resulting from treatment.

This often isn’t cheap. For instance, the cost of an emergency medical evacuation alone can exceed $100,000, according to the Centers for Disease Control and Prevention (CDC).

Don’t take that risk. Get travel health insurance.

Risks for Families Traveling Abroad

Despite the name, travel medical insurance covers more than just medical expenses. And no matter how prepared you are for your trip, there’s always a chance you could encounter a travel mishap, accident, or illness abroad.

Here are just a few examples of the travel mishaps and medical emergencies that can occur on a family trip:

  • You receive news that an immediate family member has passed away back home. You’ve already purchased your return tickets for a later date. Can you afford to return home early?

  • Your child is seriously injured during a fall, and the local emergency medical facility cannot provide the necessary life-saving medical treatment. Emergency medical evacuations can exceed $100,000, according to the CDC. Do you have any financial help?

  • Your five-year-old accidentally causes bodily injury to a stranger – for which you are held legally liable. Are you able to cover the cost of damages?

  • A worst-case scenario occurs – your child is abducted in an express kidnapping. Do you have enough money on hand to pay an immediate ransom? Who will help negotiate your child’s safe return?

  • You’re traveling with your two small children when you come down with a severe, covered illness that leaves you confined to the hospital’s intensive care unit. Can you afford to send your children back home?
  • You discover that your rental has been broken into and your family’s luggage has been stolen. How will you navigate the language barrier to file a police report? Do you know how to acquire replacement passports?

  • Your family is all packed up and ready to return home – and then heavy fog causes your afternoon flight to be delayed until the following morning. Rather than stay at the airport overnight with your children, you decide to get a hotel room. But how do you afford the cost of extra meals and accommodations that you didn’t factor into your budget?

Family Travel Health Insurance Covers Medical Emergencies

Suppose your four-year-old eats something that causes diarrhea—one of the most common illnesses for children traveling abroad. Diarrhea can cause dehydration, which infants and small children are already more susceptible to than adults.

Your child is no exception, so you need to seek medical treatment right away. If you’ve prepared for these types of emergencies with family travel health insurance, these eligible costs would be covered:

  • the cost of a local ambulance to transport your child to the hospital if your child is admitted
  • the cost of diagnostic testing or laboratory services
  • the bill for your child’s hospital room and board
  • all other eligible medical expenses (see the Description of Coverage for Atlas Travel insurance to learn what other medical expenses are covered)

When considering whether travel medical insurance is “worth it,” compare those expenses to the cost of a family travel health insurance plan. As a quick example, get a price for the Atlas Travel plan (the price will appear after you enter your trip dates and traveler birthdates).


According to the Centers for Disease Control and Prevention (CDC), children are more easily exposed to environmental contaminants that can cause illness and disease.

Here’s why:

  • Children breathe more air and ingest more food and water per pound of body weight than adults
  • Children are more likely to put their hands in their mouths
  • Children’s bodies are not always capable of breaking down harmful contaminants and disposing of them

Family Travel Health Insurance Covers Worst-Case Scenarios 

If you or a family member were to unexpectedly pass away while abroad, you wouldn’t want the resulting expenses to fall entirely on the rest of your family. Your travel medical plan could prevent that scenario with the following benefits:

  • Accidental Death & Dismemberment – Pays the specified amount if you endure a covered accident that results in the loss of your eye(s), limb(s), or life.

  • Repatriation of Remains – In covered situations, this benefit arranges for and pays to return your remains to your home country.

  • Local Burial or Cremation – Or, in lieu of repatriation, this benefit can cover eligible expenses (up to your policy’s benefit limit) to bury or cremate your remains in the country you’re visiting.

Discover how to choose the best travel medical policy for your family.

Family Travel Health Insurance Is There for Your Kids if You're Hospitalized

With a family travel health policy like Tokio Marine HCC – MIS Group’s Atlas Travel insurance, you will receive emergency travel benefits in addition to medical benefits.

Let’s say you end up hospitalized during your trip. In a situation like this, your Atlas Travel policy can provide benefits like:

  • Bedside Visit – If you are confined to the Intensive Care Unit following a covered injury or illness, this benefit will cover the cost of one round-trip, economy ticket for a relative to the location where your hospital is located. This relative could help care for your children while your spouse stays at the hospital with you, or they could accompany your children back home.

  • Emergency Reunion – This benefit is similar to Bedside Visit, but it applies specifically to hospitalizations that occur after a covered emergency medical evacuation. It also reimburses lodging and meal expenses for the relative within the location to where you have been medically evacuated.

  • Return of Minor Children – Covers the cost of transporting your children back home if you are hospitalized for a covered illness or injury that will result in them being unattended for more than 36 hours. This could be helpful if you are the only adult traveling in your group or if you and your spouse are both hospitalized.

Family Travel Health Insurance Benefits You in Non-Medical Emergencies

Thankfully, not all emergencies involve injury, illness, or death. Your Atlas plan also offers travel benefits that compensate you for certain travel mishaps, interruptions, or delays your family may face. These include:

  • Trip Interruption – Sometimes life catches you off guard. If you need to unexpectedly cut your trip short for a covered reason, you will be reimbursed for economy, one-way air or ground transportation tickets to your home airport.

  • Travel Delay – This kicks in if your flight is delayed for at least 12 hours and requires you to stay overnight. You will be reimbursed up to $100 a day for reasonable accommodations and meals (up to a maximum of 2 days). After all, does anyone want to attempt to sleep in an airport with the whole family?

  • Lost Checked Luggage – If your luggage has been lost for 10 or more days and you’ve filed a formal claim with your airline, you will be reimbursed for the replacement of clothes and personal hygiene items up to $1,000 per person (not to exceed $50 on any one item).

  • Lost or Stolen Passport/Travel Visa – If your passport or travel visa is lost or stolen, you will be reimbursed up to $100 to replace it. 

Other Benefits Helpful for Travel with Children

  • Personal Liability – You could receive up to $25,000 in coverage if you become legally liable for paying damages. This could be helpful in a situation in which your child accidentally breaks or damages property belonging to a third party.

  • Emergency Dental – You will be covered up to $300 for the cost of emergency dental work for a sudden and intense onset of pain, as long as you seek treatment for yourself or your child within 24 hours of when the pain begins.

  • Crisis Response – The abduction of a child is an experience no parent wants to ever encounter. However, in the event of a covered kidnapping, this benefit from Atlas Travel provides up to $10,000 for ransom, personal belongings surrendered, and related costs for a team to help negotiate your child’s release.

Family Travel Health Insurance Provides Traveler Assistance

Many family travel plans, such as Atlas Travel, also provide traveler assistance benefits like the following:

  • Lost Passport & Travel Document Replacement – Worried what would happen if you or one of your kids were to misplace your passport? This service provides coordination assistance obtaining replacement passports and other important documents, such as birth certificates, visas, and airline documents.

  • Tracking for Lost Luggage – If your luggage is lost in transit, you can access a tracking service that will help locate your missing luggage.

  • Emergency Travel Arrangements – Assistance with making emergency travel arrangements is available in cases of medical emergencies, political evacuations, and natural disasters.

  • Provider Referrals – Not sure where to go if you or your children become sick or injured during your trip? Get contact information for medical facilities, dental practices, and pharmacies in your destination country that speak English.

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