International Travel Medical Insurance
Prepare for the Unexpected With Travel Medical Insurance
International travel medical insurance can’t prevent you from catching a stomach bug or breaking your ankle while sightseeing. But it could help you find a quality doctor or hospital and reimburse you for unexpected healthcare costs so you can continue enjoying your trip.
Consider international travel medical insurance if you’re traveling abroad for:
Vacation
Business
Secure protection for unexpected medical costs, travel interruptions, and emergencies while exploring the world. Our international travel medical plans are designed for tourists, students, expatriates, and business travelers needing temporary health protection outside their home country.
Discover the Benefits of Atlas Travel
| Deductibles | $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period |
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Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
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| Maximum Per Injury or Illness | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Maximum Per Injury or Illness Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Overall Maximum Limit | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Overall Maximum Limit Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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Emergency Room Co-Payment Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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Urgent Care Center Co-Payment Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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| Travel Assistance Services | Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | View policy documents. |
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Policy Documents |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: Lifetime maximum: $6,250 / Death: $6,250 / Loss of 2 limbs: $6,250 / Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: Lifetime maximum: $6,250 / Death: $6,250 / Loss of 2 limbs: $6,250 / Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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| Common Carrier Accidental Death | Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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Common Carrier Accidental Death Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible |
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Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
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| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
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Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
- not subject to deductible or overall maximum limit |
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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Personal Liability Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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| Optional Personal Liability | Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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Optional Personal Liability Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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| Travel Delay | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay; subject to a maximum of 2 days - not subject to deductible |
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Travel Delay Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay; subject to a maximum of 2 days
- not subject to deductible |
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Excluded Medical Expenses | Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
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Excluded Medical Expenses Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
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| Pre-Existing Conditions | *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. |
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Pre-Existing Conditions *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. |
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| Acute Onset of Pre-Existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Acute Onset of Pre-Existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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| Deductibles | $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period |
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Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
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| Maximum Per Injury or Illness | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Maximum Per Injury or Illness Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Overall Maximum Limit | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Overall Maximum Limit Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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Emergency Room Co-Payment Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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Urgent Care Center Co-Payment Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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| Travel Assistance Services | Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | View policy documents. |
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Policy Documents |
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| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: Lifetime maximum: $6,250 / Death: $6,250 / Loss of 2 limbs: $6,250 / Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: Lifetime maximum: $6,250 / Death: $6,250 / Loss of 2 limbs: $6,250 / Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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| Common Carrier Accidental Death | Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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Common Carrier Accidental Death Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| Travel Delay | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay; subject to a maximum of 2 days - not subject to deductible |
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Travel Delay Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay; subject to a maximum of 2 days
- not subject to deductible |
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible |
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Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
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Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
- not subject to deductible or overall maximum limit |
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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Personal Liability Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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| Optional Personal Liability | Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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Optional Personal Liability Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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| Excluded Medical Expenses | Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
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Excluded Medical Expenses Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
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| Pre-Existing Conditions | *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. |
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Pre-Existing Conditions *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. |
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| Acute Onset of Pre-Existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Acute Onset of Pre-Existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Enhance Your Coverage
Both Atlas Travel and Atlas Premium plans meet Schengen visa and requirements and include optional benefits such as Crisis Response and Personal Liability Upgrade your international travel medical insurance coverage with these optional benefits upon checkout:
- Crisis Response – Increase your Crisis Response coverage amount to $100,000 (with $10,000 for natural disaster coverage)
- Personal Liability – Increase your Personal Liability coverage amount to $100,000
- Accidental Death Dismemberment – Increase your AD&D coverage amount to $50,000
Or bundle all 3 upgrades and save!
Entering or exiting the United States? Add $2,000 of device protection coverage by bolt for accidental damage to your phone, laptop, and tablet.
Why You Need International Travel Medical Insurance
Traveling internationally exposes you to healthcare systems, costs, and risks that differ from home.
Here’s why travel medical insurance can be essential for global travel:
- Limited Coverage from Domestic Insurance: Most domestic health plans provide little or no international medical coverage.
- Medical Evacuation Costs: Emergency transport can exceed $100,000 without coverage.
- Entry Requirements: Many countries, including those in the Schengen Area, require proof of medical insurance for visa approval.
- Common Travel Risks: Illness, injury, and travel delays can happen anytime, anywhere.
- Peace of Mind While Abroad: Receive assistance coordinating care, language translation, and hospital admissions.
Access Quality Healthcare Abroad with Air Doctor
Air Doctor offers flexible healthcare options based on your location:
OUTSIDE THE U.S.
Choose from in-clinic visits, telehealth(video), or in-home/hotel appointments within your coverage area. Air Doctor connects you with vetted, local providers for convenient care wherever you are. Deductibles and Co-pays apply.
Air Doctor can provide seamless healthcare access to fit your travel needs.
WITHIN THE U.S.
Telehealth Services for U.S. Policies: For Atlas Travel plans covering the U.S., Air Doctor visits are limited to telehealth (video) services. Deductibles and Co-pays apply.
In-person visits may utilize the UnitedHealthcare PPO network, simply use your United Healthcare PPO network access, which allows you to present your ID card at thousands of network providers nationwide.
Access Trusted Doctors with Air Doctor
With WorldTrips Atlas Travel Insurance, Air Doctor connects you to a network of licensed doctors and medical specialists worldwide with an easy-to-use app, making it easier to find quality healthcare within your coverage area.
Air Doctor can help you to access to quality medical care on your travels within covered areas, so you can focus on exploring with confidence. Learn more about Air Doctor.
What if I Need Additional Travel Medical Insurance Coverage?
Get Higher Coverage Limits with Atlas Premium
Atlas Premium provides the same benefits as our popular Atlas Travel plan with increased limits for many benefits. If you’re seeking higher coverage limits, you may want to consider Atlas Premium.
Check out these plan highlights or see a full benefit comparison here.
Benefit |
Atlas Travel Insurance |
Atlas Premium Insurance |
|---|---|---|
| Crisis Response | $10,000 | ↑ $100,000 |
| Emergency Reunion | $100,000 (15-day max) | ↑ $150,000 (15-day max) |
| Political Evacuation | $100,000 | ↑ $150,000 |
| Trip Interruption | $10,000 | ↑ $15,000 |
| Lost Checked Luggage | $1,000 | ↑ $2,000 |
| Travel Delay | $100/day (2-day max; 12-hr delay) | ↑ $200/day (2-day max; 12-hr delay) |
| Natural Disaster | $250/day (5-day max) | ↑ $500/day (5-day max) |
Why WorldTrips?
Who is insuring you is just as important as the insurance plan you choose. Since 1998, WorldTrips has provided international travel medical insurance to help our customers confidently explore the globe.
Our knowledgeable team of customer service professionals is standing by 24/7 to support you through unexpected travel emergencies. No matter the spoken language. No matter the time zone.
“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."
Is International Travel Medical Insurance Required for Travel Abroad?
Not necessarily. Some countries require foreign visitors to have international travel medical insurance that meets specific requirements. Others may only require proof of valid insurance for the duration of a trip.
Some visas require insurance as well. If you need a Schengen visa to visit Europe’s Schengen Area, you’ll need Schengen visa insurance. If you’re traveling to the U.S. on a J-1 visa, you’ll need J-1 visa insurance. (Hint: Atlas Travel meets both Schengen and J-1 visa requirements.)
Some types of trips may require insurance too. Think organized tours, cruises, study abroad trips, and mission trips. International travel medical insurance from WorldTrips could fit the insurance coverage necessary for your trip.
Will My Current Health Plan Cover Me Overseas?
There’s a good chance your regular health plan that covers you on a day-to-day basis may provide limited coverage once you leave your home country. Even if it does include some overseas benefits, it may not offer medical evacuation coverage or supplemental travel coverage (like reimbursement for a long delay or the airline losing your checked luggage).
You may also wonder if your credit card offers any coverage—and if it does, whether that coverage is enough. While your travel-related credit card might include some compensation for airport and luggage mishaps, it’s unlikely that it includes coverage for an unexpected injury or illness.
Ask yourself: Could I afford to pay for an overnight hospital stay or treatment of a broken ankle while sightseeing abroad? If not, consider international travel medical insurance like Atlas Travel. You might be surprised how easily it fits into your budget.
How Much Does International Travel Medical Insurance Cost?
Travelers are often surprised by the budget-friendly cost of international travel medical insurance. Our Atlas Travel plan starts at less than $1 a day.
Here are the factors that influence the cost of a plan with WorldTrips:
- Age – As your age group increases, so will your plan cost
- Destination – Trips that include the U.S. are more expensive to cover due to healthcare costs
- Trip Length – Longer trips are more expensive to cover
- Overall Maximum Limit – As your overall maximum limit increases, so will your plan cost
- Deductible – As your deductible increases, your plan cost will decrease
- Optional Upgrades – Coverage add-ons will increase your plan price
Is travel medical insurance necessary if I already have domestic health insurance?
It is absolutely worth considering because many domestic health insurance options provide limited or no coverage outside your home country. Travel medical insurance can help with eligible unexpected medical expenses abroad and may include travel-specific benefits such as emergency medical evacuation, repatriation of remains, travel assistance, and help finding quality care while traveling.Can travel medical insurance be purchased without having a primary health insurance policy?
Yes, travelers can purchase travel medical insurance even if they do not have a primary health insurance policy. Benefits vary, so travelers should review the plan documents carefully, especially if they have pre-existing conditions or need coverage for specific destinations, activities, or visa requirements.
How International Travel Medical Insurance Works in Action
- You’re hospitalized with a serious bout of food poisoning.
Your Atlas Travel international medical insurance policy could help you find a suitable hospital. Your plan would cover eligible medical expenses, which could include your ambulance ride, hospital stay, diagnostic testing, physician charges, and more.WorldTrips could also arrange translation assistance and provide medical monitoring to keep your family updated on your condition.
- You’re hiking through a remote area when you fall and become seriously injured.
The nearest medical facility does not have the equipment to provide the medically necessary treatment. Fortunately, your Atlas Travel plan’s Emergency Medical Evacuation benefit pays the $30,000 it costs to transport you by helicopter to the nearest hospital.
- You’ve just touched down in your destination when you receive the devastating news that your sister-in-law has passed away. You decide to return home immediately.
Your Atlas Travel policy’s Trip Interruption benefit could pay for your plane ticket back to your home country so you can be with your family.
- Your flight is delayed until the next morning due to snowstorms.
You grab a warm meal and book a hotel room so you don’t have to stay at the airport overnight. Your Travel Delay benefit could reimburse you up to $100 for meals and accommodations resulting from a covered delay of 12+ hours.
- You’re exploring the city alone when you’re suddenly kidnapped for a small ransom.
Crisis Response benefit could pay for your $10,000 ransom and for an experienced, multilingual crisis response team that safely negotiates your release.
More International Travel Medical Insurance Plans
For over 25 years, WorldTrips has provided trusted international travel medical coverage and global assistance. Need coverage for remote work, frequent international travel, or a group of travelers? Discover additional international travel medical plans designed for these types of travel.
Nomad Insurance for Remote Workers
Digital nomads who are non-U.S. residents working outside of their home country are eligible for an Atlas Nomads plan.
Travel Medical Insurance for Groups
Traveling with a group of 5 or more? Purchase Atlas Group and get the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate.
Annual Travel Medical Insurance
Save time and money by purchasing one Atlas MultiTrip plan to cover you for any number of pre-planned or last-minute trips abroad throughout a one-year period.
Visitor Medical Insurance for Travel to the U.S.
When your international travel includes the United States, your Atlas Travel plan will be referred to as Atlas America. This plan meets J-1 visa requirements and can provide coverage for you or your family members as they visit the States.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).