What is Leisure Travel Medical Insurance?

An unexpected injury, illness, or travel mishap could occur during your vacation abroad. Leisure travel medical insurance covers international travelers as they enjoy the world outside their home country.

A leisure 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 Leisure Travel Medical Insurance?

When the weekend isn’t enough, an international trip can be a great way to escape your daily routine. But international travel has its risks, and leisure travelers shouldn’t leave their medical coverage behind.

Here are three reasons to consider leisure 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. Leisure 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, leisure 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 Leisure Travel Cover?

What Does Travel Medical Insurance for Leisure Travel Cover?

In the face of an unexpected medical emergency abroad, leisure 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 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 leisure trip abroad?

How Do Atlas Travel Benefits Work in Action?

See examples of how a leisure travel medical insurance plan like Atlas Travel can provide coverage for your leisure trip abroad.

1. The meat skewer you purchased from a street vendor in Thailand 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 unfamiliar with the healthcare system–and you may not even speak the language.

With a leisure 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 coverage for all other eligible medical expenses, including physician charges, diagnostic testing, and more.

Additionally, Atlas Travel provides access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.

2. You’re hiking through a remote area of Peru when you fall and become seriously injured.

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’ve just touched down in your destination when you receive the devastating news that a member
of your immediate family has passed away. You decide to return home as quickly as possible.

Your Trip Interruption benefit can cover up to $10,000 for the cost of an economy, one-way plane ticket to return you to your home country so you can be with your family.

4. After arriving at the airport for your initial departure, bad storms cause your evening flight to be delayed until the following morning.

Rather than staying at the airport overnight, you decide to get a warm meal and a hotel room. Under Atlas Travel’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.

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

Thankfully, your Atlas Travel policy provides 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.

Your Lost or Stolen Passport/Travel Visa benefit will also reimburse you, up to $100, for expenses due to replacing your lost or stolen passport or travel visa. You must report the loss or theft to police within 24 hours and obtain a police report to be eligible for this benefit.


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?

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 in 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:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you


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.