What is Holiday Travel Medical Insurance?

Holiday travel medical insurance is insurance that provides international health coverage to those traveling abroad for the holidays. It typically offers coverage for the treatment of unexpected injury and illness, emergency medical evacuation, emergency travel, accidental death, and some travel mishaps (like the airline losing your checked luggage).

 A holiday travel medical insurance plan like Atlas Travel insurance can provide access to quality healthcare, medical coverage, and travel assistance as well as coverage for travel complications like interruptions and delays.

Why Do I Need Holiday Medical Travel Insurance?

Though undeniably exciting, international travel can still pose a risk to travelers. Here are 3 reasons to consider a holiday insurance plan for your adventure abroad:

Illness or Injury

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. After all, overseas vacations can expose travelers to such factors as new environments, unfamiliar foods, and foreign bacteria.

Domestic Insurance Limits

Your domestic health plan may not cover you outside of your home country or your international coverage may be very limited. If your insurance does not apply beyond your home country, then holiday travel medical insurance can pick up where your domestic coverage leaves off.

Visa Requirements

Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses incurred in your host country. A holiday travel plan like Atlas Travel from WorldTrips meets the requirements of many different visas, including Europe’s Schengen visa. Atlas Travel conveniently provides policyholders with a visa letter to serve as proof of coverage.

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 leisure trip abroad?


What Does Holiday Travel Medical Cover?

In the face of a medical or travel emergency abroad, a holiday travel medical plan can provide access to a worldwide network of doctors and hospitals, emergency assistance, and a number of vital benefits.

With an Atlas Travel plan from WorldTrips, you’ll be 100% covered for eligible medical expenses within the PPO network or outside the United States (after the deductible and up to the overall maximum limit) for covered injuries and illnesses.

For eligible injury or illness incurred outside the PPO network within the U.S., you’ll be covered for usual, reasonable, and customary charges (after the deductible and up to the overall maximum limit).

Here are a few additional highlights of our Atlas Travel plan:

  • Emergency Medical Evacuation coverage
  • Personal Liability benefit
  • Return of Minor Children and Pet Return benefits
  • Trip Interruption, Travel Delay, and Lost Checked Luggage coverage
  • Multi-lingual emergency assistance available 365 days a year

Atlas Travel Benefits for Holiday Travel

Benefits for Unexpected Death:

Accidental Death & Dismemberment (AD&D), Repatriation of Remains, Local Burial or Cremation

Benefits for Unforeseen Emergencies: 

Emergency Medical Evacuation, Political Evacuation, Terrorism, Natural Disaster – Replacement Accommodations, Personal Liability

Family Transportation Benefits:

Resulting from a Medical Emergency, Bedside Visit, Emergency Reunion, Return of Minor Children, Pet Return

Supplemental Travel Benefits: 

Trip Interruption, Travel Delay, Lost Checked Luggage, Lost or Stolen Passport/Travel Visa, Border Entry Protection

How Do Atlas Travel Benefits Work in Action?

To get an idea of how these benefits work in action, check out the following emergency scenarios and learn how you would be covered with holiday travel medical insurance: 

The eggnog you purchased from a Christmas market in Vienna results in a serious bout of food poisoning that requires inpatient hospitalization.

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 a holiday travel medical insurance policy like Atlas Travel, you’ll be covered for the cost of a local ambulance to transport you to the hospital as well as hospital room and board for covered injuries or illnesses that result in hospitalization. You’ll also have access to provider referrals and translation services available in multiple languages 365 days a year.

You’re exploring the white-sand beaches of an Indonesian island when you fall and become seriously injured.

You’re taken to the local emergency medical facility, but the facility cannot provide you with the life-saving medical treatment you need. Luckily, you’re covered under Atlas Travel’s Emergency Medical Evacuation benefit, which covers the cost of transporting you to a nearby hospital that’s properly equipped to treat you.

You’ve just touched down in your holiday destination when you receive the devastating news that a member of your immediate family has passed away.
Atlas Travel’s Trip Interruption benefit can cover the cost of an economy, one-way plane ticket to return you to the terminal nearest your principle residence in your home country.
After arriving at the airport for your initial departure, bad storms cause your evening flight to bedelayed until the following morning.

Rather than staying at the airport overnight and being exhausted for your early morning flight, you decide to get a hotel room. Not only do you now have to pay hotel costs that weren’t factored into your budget, but costs for extra meals eaten, as well. Under your Atlas Travel plan’s Travel Delay benefit, you’ll be reimbursed up to $100 a day for reasonable accommodations and meals incurred as a result of your covered, 12-plus hour delay.

While on your Parisian dream vacation, you discover that your rental has been broken into and yourluggage has been stolen.

You have no idea how to go about acquiring a new passport and the language barrier is making it difficult for you to file a police report. With a policy like Atlas Travel, you’ll have access to travel assistance services available in multiple languages 365 days a year. Our operators can provide you with travel, legal, and foreign language assistance and help you to obtain a new passport and travel documents.

Why Choose Atlas Travel


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. After your initial purchase, you will have the ability to extend your coverage via Member Portal, our online policy management portal.


You can purchase 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 is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. 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.

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705