What Is Orienteering?

Many people have never heard of orienteering, but this woodland exploration sport is highly popular in Europe and is gaining ground across the world. It began as a Swedish military exercise that helped troops build their pathfinding skills, their stamina, and their ability to cooperate with fellow soldiers in unfamiliar situations.

Today, it is accessible to everyone from young children to elderly people. There is now a broad selection of course styles available, including some that incorporate mountain biking, skiing, water navigation, and even night competitions. In this article, you’ll learn how to get started as an orienteer and discover some of the world’s best permanent courses.


Orienteering Definition

Orienteering is essentially a race where the biggest challenge is finding waypoints in woods or urban parks. Competitors, called “runners,” venture into unfamiliar and disorienting terrain. Using only a map and a compass, they must locate a pre-set route through a series of checkpoints before they can cross the finish line.


Basic Skills Needed for Orienteering

Orienteers must be able to use a compass and read an orienteering map without GPS. Some stamina is required as well, but courses are available for most age and ability levels.

Some courses also require orienteers to independently use equipment like skis, mountain bikes, or canoes.


How Does It Work?

Participants must use their supplied map and compass to reach multiple specified areas called “checkpoints” or “controls.” Controls can be located within a few hundred yards of one another or up to a mile apart. In some races, they may be camouflaged or difficult to reach.

Courses can span large areas on terrains of varying difficulty levels. More challenging courses utilize obstacles found in the natural landscape, like bodies of water, woods, and hills. Simpler courses are made up of circuits around more easily navigable areas.

Different rule sets are applied to specific courses, keeping the sport accessible by all ages and experience levels. The difficulty of a course and the average time needed to complete it is always disclosed on maps, on related websites, or by local clubs. Clubs can also inform orienteers of what basic equipment they’ll need for a given course.


What Are the Benefits of Orienteering?

Orienteering is a mental and physical exercise that gets participants out into nature. This sport promotes stamina, independence from technology, and spatial reasoning abilities, as well as cooperation skills.


Types of Orienteering

Orienteering is fun and challenging, but above all, it’s disorienting! Organizers are known to use their imaginations to invent new styles of courses and new rules that keep orienteers on their toes.

You’ll find courses that incorporate trivia questions, courses that require orienteers to run part of the course at night, and courses that use multiple forms of transportation, such as mountain bikes or skis. There are even events where orienteers must use radios to find checkpoints (called Radio-O).

Though most courses present some combination of ways to navigate them and win points, there are a few main types that you’re most likely to come across. Winners are usually determined based on who completes the course fastest, who finds the most checkpoints, and who chooses the best route (or a combination of the three).


The Basic Courses

  • Classic: A classic competition, otherwise called cross-country orienteering, is a race where runners must find a number of checkpoints in a specific order before reaching the finish line. The winner is the person or team who completes the course fastest. 

  • Relay: Relay is, like cross-country orienteering, a race through a set of checkpoints that orienteers must reach in a particular order. The difference is that each member of a relay team runs one leg of the race alone with their own map. Team members must wait until a previous runner finishes a circuit before they can start their own leg of the race. The team with the fastest overall time wins. 

  • Score: Score orienteering allows participants to reach each checkpoint in any order they wish. Each checkpoint is assigned a point value, determined by its distance from other controls or the difficulty of getting to its location. Some score competitions can last for 24 hours.

  • Sprint: Sprint events are shorter races held in urban or park environments where running is easier. Runners must reach checkpoints in a pre-set order, but the point of a sprint event is speed and quick decision-making.

  • Motala: Motala orienteering, named for a town in Sweden, is a longer race wherein participants navigate three different courses as part of a single contest. All teams in a motala race start at the same time. The “loops” that each team runs are assigned individually so that no two teams will run them in the same order.

The Best Types for Beginners

  • Line: In line orienteering, a route that participants must follow is drawn through multiple checkpoints on each individual’s map. Runners begin a line course one team at a time and must orient themselves to adhere to the specified route as closely as possible. Checkpoints serve as confirmation that they’re on the right track.

  • Route: Route orienteering is a lot like a line competition. However, instead of having the route drawn on a runner’s map, the line is drawn on the ground. Participants must mark checkpoint locations on their maps. The winner is the team that manages to spot the most checkpoints.

  • String: In string orienteering, competitors follow a string stretched around a course, recording certain items or landmarks along the way. This type of competition is usually reserved for children and beginners. It is more about being observant and working with a team than direction finding.

Tips for Orienteers


Come Prepared

The strictest rule of orienteering is that there’s no GPS use allowed during a race. Before you run your first course, spend some time learning to use the tools you’ll need on the trail: an orienteering map and compass.

An orienteering map looks much like your average topographical map, but with more specific markings to demonstrate the nature of the terrain. The International Orienteering Federation has created a standardized set of map symbols that are used to mark checkpoints and signify specific areas.

Familiarize yourself with orienteering map symbols and make sure you learn how to use a compass so you can orient yourself on a map without GPS.


Limit Your Risk When Orienteering Abroad

Orienteering is a highly active sport. It can encompass numerous physical activities, like hiking, mountain biking, and skiing, and can take you into some very challenging environments. If you’re thinking of trying a course or event outside of your home country, consider whether you need travel health insurance to provide coverage for unexpected injuries, illnesses, and travel mishaps during your time abroad.

Many regular health insurance plans do not cover policyholders while they’re in foreign countries. Others provide international coverage only under limited circumstances. If you already have a traditional health plan, review your coverage or talk to your provider to find out whether you need to purchase an adventure travel health insurance policy like Atlas Travel insurance for your time abroad.

 

PRO TIP: Read the Description of Coverage for any travel health insurance policy you’re considering carefully. Pay attention to the benefit limits, conditions, and exclusions. For example, a plan may cover mountainside orienteering but exclude activities at elevations above a certain height. It may cover many of the activities involved in some orienteering courses, such as mountain biking, but exclude high-risk activities like motorized dirt biking. The policy may also require you to wear safety gear for a specific activity, such as a helmet and goggles for snow skiing.

View the Description of Coverage for Atlas Travel insurance here.

 

Find an Orienteering Club

The best place to get started as an orienteer is with a local club. Hundreds of clubs exist across multiple countries and continents. They provide members with information about permanent courses, events, and other resources.

Most also organize their own events and outings. If you’re looking for a team to join, find a club near you and sign up for its mailing list.

 

FYI: Orienteering Is Great Practice for Hikers and Backpackers


Orienteering is an ideal way for prospective hikers to hone their map-reading skills and build endurance for an upcoming adventure. It’s also a perfect opportunity to try out the weight and balance of a fully loaded backpack. For more backpacking tips, explore our article “Activities While Backpacking"

 

Orienteering Places: The Best Permanent Courses

Lots of countries host major orienteering competitions for all levels, both locally and nationally. There’s even an Orienteering World Cup that’s staged across multiple countries each year. However, competitions aren’t your only option for participating in orienteering.

Most competition courses are set up as temporary venues that are dismantled when an event is over. But if you look for permanent trails, either locally or in your travel destination of choice, you’re likely to find plenty of opportunities to try this sport whenever you like.

The following are some of the best-maintained, permanent orienteering locations in the world. You’ll find multiple courses to suit every ability level at these public parks. Visit them on your own schedule and run them on your own terms.


Bastrop State Park in Texas, USA: 

One of the best permanent locations in the USA is Bastrop State Park’s course just outside of Austin, Texas. You can find an orienteering map at the park’s entrance. Contact the Houston Orienteering Club to get an event schedule and attend one of their practice meets to make some new friends.

When you’re done with the course, it’s just a 30-mile highway ride into Austin, the Texas state capitol and one of the most vibrant cities in the country.

PRO TIP: Visit OrienteeringUSA.org to find other permanent courses in the USA.

 

The Canmore Nordic Centre in Alberta, Canada:

Canmore’s Nordic Centre Park is home to craggy mountains and pine forests. It stands as a major draw for snow skiing and mountain biking orienteers. The park’s day lodge was built for the 1988 Winter Olympics and remains a major travel destination to this day.

Here you’ll find four courses that range from short to long, offering options for all ages. Visit Trail Sports to find orienteering maps and information. This site serves as the locus between all of this area’s courses.


Spa Thermal Park in Taupo, New Zealand:

Rolling hills, green forests, and irresistible blue lakes fill Taupo, New Zealand’s Spa Thermal Park. Here you’ll find four permanent courses with lengths of 1.5km to 5.6km and with difficulty ratings for almost any group.

Stop by the Taupo Events Centre to pick up maps and punch cards to mark off your checkpoints. The cost to run Taupo’s trails is $5 for adults and $3 for kids. Contact the Taupo Orienteering Club for more information or visit Orienteering.org.NZ to find other permanent New Zealand courses.


The Parques in Porto, Portugal:

Gorgeously maintained parks dot Portugal’s shoreline just off the North Atlantic Ocean. Orienteers can choose from multiple parks in the area with orienteering maps available. Visitors will find short, medium, and long courses in Porto’s parques and also in the Porto City Race, which opens annually.

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Traditional-Style – Ito Ryokan Experience Japanese tradition and stay close to main tourist attractions like the Imperial Palace in this traditional Japanese inn. Planning to visit Tokyo? Explore our Tokyo City Guide. Top Accommodations in Sapporo: Luxury – Jozankei Tsuruga Resort Spa Mori no Uta This luxury hotel outside Sapporo is a true spa lover's dream. Discover traditional Japanese onsen and various spa treatments in this mountainous resort. Budget – Mercure Hotel Sapporo Get easy access to the many ski resorts in Sapporo at this mid-range hotel. Each room comes equipped with complimentary internet access – a steal for $100 USD/night. Traditional-Style – Suizantei Club Jozankei A bit on the pricier side, this traditional ryokan offers guests a luxury Japanese experience in the mountains of Hokkaido. Take a dip in the hotel onsen or enjoy the culinary delicacies included in your accommodation package. No wonder it has a 4.5-star rating on TripAdvisor! Visiting Sapporo? Explore our Sapporo City Guide. Top Accommodations in Kyoto: Luxury – Hotel Mume First-class service and beautiful rooms earned this luxury hotel 825 reviews and a 5-star rating on TripAdvisor. Hotel Mume also has a prime location close to several shrines and temples in Kyoto. Budget – Toyoko Inn Kyoto Gojo-Karasuma Only a three-minute walk from Gojo Station and the Karasuma subway line, this budget hotel offers easy access to downtown Kyoto. Rooms may be small at this chain hotel, but they’re packed with features ideal for budget travelers, including breakfast and free nationwide phone calls. Traditional-Style – Tawaraya Recognized as one of the best ryokan in all of Japan, this traditional inn located in downtown Kyoto understands the importance of details. Rooms are sparsely decorated in true Japanese fashion, each one has a private garden attached, and the staff is incredibly knowledgeable. Transportation Within Japan Japan is home to an impressive network of roads, railroad tracks, ferries, and air routes connecting the entire territory. To get between islands, you’ll most likely have to take a short flight or ferry. In-country flights are both readily available and frequent between the nation’s main cities. Key hubs include: Narita International Airport (NRT, Tokyo) Haneda Airport (HND, Tokyo) Kansai International Airport (KIX, Osaka) Chubu International Airport (NGO, Nagoya) Fukuoka Airport (FUK, Fukuoka) Japan is heralded for its extensive rail network. Purchase a Japan Rail Pass for easy travel throughout any of the four main islands. Its ease of use and availability are well worth the cost. What To See and Do in Japan Japan is a land of attractions – the country has endless amounts of historical sites, acres of pristine forests, and a variety of vibrant cities to explore. Here are some of the top tourist sites in Japan: Top Tourist Sites in Tokyo Imperial Palace: The main residence of the Emperor of Japan is located in central Tokyo, a short walk away from the city’s Central Station. Buildings are not open to the public, but the gardens make the visit a true delight. Tsukiji Outer Market: This large seafood and produce market has hundreds of colorful stalls and restaurants. It is closed on Wednesdays and Sundays. Tsukishima: This is a man-made island in Tokyo Bay. Travelers from all over the world come here searching for tsukudani - a kind of preserved topping that is served with rice - and monjayaki, a pancake-like dish that is popular in Japan. Shibuya: This popular entertainment area is packed with flashy neon signs, restaurants, and shops. It’s easily accessible through Shibuya Station. Meiji Jingu Shrine: Dedicated to Emperor Meiji and Empress Shōken, the Meiji Shrine sits in a 170-acre forest area in Shibuya. It is one of Tokyo’s most visited attractions. The shrine is in close proximity to Harajuku, Tokyo’s hotspot for youth and cosplay. Top Tourist Sites in Kyoto Imperial Palace: This palace is the former residence of Japan’s Imperial family. Visitors can freely enter the palace grounds, but buildings are off-limits. Railway Museum: Japan is a railway powerhouse, and this museum concentrates its history like no other. It’s well worth the ¥1,200 JPY ($7.57 USD in August 2024) price tag. Top Tourist Sites in Osaka Osaka Castle: One of the most iconic buildings in Japan, Osaka Castle is a towering structure evocative of a different era in Japanese history. Nijo Castle: Recognized as one of the surviving buildings of Japan’s feudal era, Nijo Castle features a number of perfectly conserved buildings and beautiful gardens. Visiting the castle is an immersive experience in to Japan’s history and a must-see for anyone visiting Osaka. Discover more things to see and do in Osaka with our Osaka City Guide! Top Tourist Sites in Hiroshima Hiroshima Peace Memorial Museum and Park: The park’s Atomic Bomb Dome was the only structure left standing following the atomic bombing in 1945. For many visitors to Japan, the museum and its grounds are powerful places for reflection. Miyajima Island: This island is home to the Itsukushima shrine, also referred to as the “floating shrine.” One of the largest torii (traditional Japanese gate) in Japan, the Itsukushima shrine is a relic of Shinto-era Japan. Read our Japan 14-day itinerary for even more help planning your first trip to Japan. Japanese Cuisine Japanese cuisine mainly consists of white rice, fish or beef, and vegetables often pickled or served in broth. Common dishes and preparations are sushi, udon noodles, miso soup, tempura, and grilled fish. In addition to traditional cuisine, Japan offers innovation and diversity in fast food, coffee, and craft beer. Western food is available, but usually at a higher price. Where To Eat in Japan You can find food in a variety of places in Japan. Of course, restaurants are popular – and world-class in Japan – but the nation is also known for the high-quality food available in convenience stores and vending machines. Sushi, ramen, and fast food options at small restaurants and street stalls start at $8 - $10 USD per serving, whereas nicer dinners are a bit pricier, starting at $20 - $25 USD. Read through Eater’s list of essential Tokyo restaurants for a full guide to popular restaurants in Tokyo. First-time visitors to supermarkets in Japan will notice it is much cheaper to purchase food at the market than to eat elsewhere, making Japan’s markets a great dining option for budget travelers. Fast food is also a great option for an inexpensive meal and an authentic culinary experience. In fact, fast food is other-worldly for any first-time visitor to Japan. The nation puts its own spin on typical fast-food chains like McDonald’s and Burger King, adding the Japanese flavor profile to American dishes. For example, McDonald’s Japanese menu heavily features shrimp, and classics like the Big Mac are elevated with the addition of bacon and egg. Burger King takes the sweet and savory approach, adding flame-grilled apple slices to the traditional Whopper Jr. Know Before You Go: Japanese History, Culture, and Traditions A large part of Japan’s cultural identity today is based on its history. On your first trip to Japan, you’ll find remnants and symbols of this country’s past in most of its historical sites. Japan’s history can be traced back to the year 660 BCE. During the course of the following centuries, the nation experienced periods of feudalism, expansionism, and war, each leaving its mark on the burgeoning country. Unification is a hallmark of Japanese society. During the Meiji Restoration in 1868, the government attempted to create a strong, centralized state with a singular national identity. Over the years, the cherry blossom, Japanese flag/rising sun, and Chrysanthemum flower have become powerful representations of Japanese identity. Following the bombings of Hiroshima and Nagasaki in 1945, Japanese culture changed. Economic growth and social stability became national priorities, resulting in a modernized society where ordinary people can experience middle-class urban lifestyles. In the 1980s Japan experienced unprecedented prosperity, catapulting it to superpower status. In modern-day Japanese culture, local and regional identity is celebrated. Almost every town or city is famous for something, like a specific craft, culinary specialty, or song. Discover More Japan Travel Content from WorldTrips Travel Health Insurance for Japan Japan Travel Visa: What You Need to Know Traveling Japan Alone How to Cheaply Travel Japan Explore Japan City Guides from WorldTrips Fukuoka City Guide Nagoya City Guide Osaka City Guide Sapporo City Guide Tokyo City Guide Yokohama City Guide KHE2FFFYH6SP-971744701-1283 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.
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What Is the Accidental Death Benefit in Travel Health Insurance?
An Accidental Death and Dismemberment (AD&D) benefit in travel health insurance is exactly what its name suggests: a benefit that provides coverage in case of your accidental death or dismemberment while traveling abroad. But what situations qualify for coverage? What scenarios are excluded? Read on to discover exactly what an AD&D benefit covers and why you may need one. What Is AD&D in Travel Health Insurance? The Accidental Death and Dismemberment (AD&D) benefit in travel health insurance pays money to you or your beneficiary if you die, lose your sight, or lose a limb due to an accident while traveling abroad. There are stipulations, of course. We’ll get into those details below. What Does AD&D Cover? AD&D insurance provides reimbursement in situations where a covered accident causes your immediate death or dismemberment, or where an accident causes a covered injury that later results in your death or dismemberment. Examples of situations where your AD&D benefit could cover you include a car accident, boating accident, or injury from a fall. Most AD&D Benefits Pay: The full amount outlined in your policy documents to your beneficiary if a covered accident or injury causes your death A portion of the full amount (often half) to you if you are dismembered in a covered accident that causes you to lose one limb or sight in one eye The full amount to you if you are dismembered in a covered accident that causes you to lose two or more limbs or sight in both eyes Your Beneficiary Will Only Be Eligible to Receive Your Accidental Death Benefit If the Following Is True: You die within a certain number of days of the initial accident that causes your deadly injuries (typically 30 days) Illness or disease do not contribute to your death The accident that causes your death doesn’t happen while you’re a paying passenger on a commercial airline or cruise line (Common Carrier Accident is typically a separate benefit – more on that later) The accident that causes your death is not the result of a situation or condition specifically listed in your policy exclusions Many travel health insurance policies, such as the Atlas Travel® plan from WorldTrips include an Accidental Death and Dismemberment (AD&D) benefit. You can find the benefit and its coverage limits on the policy documents for any policy you’re considering. You may also find it on the main webpage for the policy. What Are Policy Documents? The policy documents provide the full benefits and exclusions of an insurance plan and explain its claims process. You can typically find a link to these documents on the main webpage for the policy or on the quote form where you provide your trip information and learn how much your policy would cost. (Note that you will receive these documents along with your other fulfillment documents after you purchase a policy as well.) See a sample Description of Coverage for our Atlas Travel insurance policy. Important Definitions You Should Know Accidental Death: This generally refers to a situation where external means cause a sudden, unintentional, and unexpected occurrence that results in your death. Remember: Death must occur within a certain number of days following your injury. (For Atlas Travel, this period is 30 days.) Illness or disease may not contribute to your death. Accidental Dismemberment: This typically means a situation where external means cause a sudden, unintentional, and unexpected occurrence that results in either: Complete severance of one or more of your limbs OR Complete and irreversible loss of sight in one or both of your eyes Loss of Limb: This refers to either: Complete severance of your arm from your body at or above your wrist OR Complete severance of your leg from your body at or above your ankle Loss of Eye: This refers to complete and permanent loss of sight. PRO TIP: Consult the DOC for any policy you’re considering to see its specific and complete benefits. What Is Excluded From Travel Health Insurance AD&D? To Recap: You will only be eligible for the AD&D benefit if your death or dismemberment (or the injury that causes your death or dismemberment) results directly from external and visible means. You are not eligible if illness or disease contributes to your death or dismemberment. Let’s Clarify This With an Example: Say you suffer an epileptic seizure while driving a rental car abroad. The seizure causes you to crash the car, resulting in severe internal and external injuries. Ten days later, you succumb to your injuries in the hospital. In this scenario, you would not be covered by your accidental death and dismemberment insurance, despite dying as a result of your car crash injuries. Why? Because your epilepsy caused you to crash. Epilepsy is a seizure disorder, and health disorders count as an illness. An illness is any sickness, disorder, pathology, abnormality, ailment, disease, or any other medical, physical, or health condition. Examples of Situations Where Your AD&D Benefit Would NOT Cover You There are certain *situations and conditions that could result in your accidental death or dismemberment which would not be covered under your AD&D benefit. Examples of such situations include: Infection (except through a wound caused by an accident) Intoxication (as defined by local laws where the accident occurred) Mental health disorder Participation in a riot Pregnancy Suicide or self-inflicted injury Terrorism Voluntary drug use (except for drugs prescribed by a physician) War *Benefits and exclusions vary from policy to policy, so read all of your policy documents. Review the AD&D section thoroughly and make sure you understand all of the policy’s exclusions. PRO TIP! If you have questions about the policy considering, contact the insurance company directly. They can help you understand the policy's exclusions and verify its benefits. Do I Need Accidental Death and Dismemberment Coverage? We know it’s uncomfortable to think about what would happen if you were to become seriously injured or even pass away during a trip abroad. But it’s important that you take a second to consider the potential consequences of traveling abroad while uninsured. Who would pay for the resulting expenses in the case of your accidental death? Would you be able to afford the medical expenses resulting from your dismemberment or loss of sight? We believe that all travelers should expect the best but prepare for the worst. That’s why our Atlas Travel insurance policy includes up to $25,000 for a covered death or loss of 2 limbs and up to $12,500 for the covered loss of one limb (for ages 18 through 69). Atlas Travel offers AD&D coverage to individuals under age 18 and those over age 69 as well. You can see those benefit limits here. Does the AD&D Benefit in Travel Health Insurance Cover Repatriation? The Accidental Death and Dismemberment benefit included in most travel health insurance policies does not cover the cost of returning your body or ashes to your home country for proper burial or cremation. Instead, you’ll want a policy that also includes a separate benefit called Repatriation of Remains. The Repatriation of Remains benefit pays to transport your body by plane or ground transportation to your home country if your insurance covers the injury or illness that caused your death. This benefit also covers the cost of preparing your body for transport. Repatriation can cost several thousand dollars, and your family may already have to prepare and pay for funeral arrangements in their time of grief. Your travel health insurance company can coordinate travel arrangements for your covered repatriation, as well as pay all eligible expenses, which may be of support to your family as they grieve. Here’s a true customer story of Atlas Travel’s Repatriation of Remains benefit in action: Real-Life Example: Repatriation of Remains After a Tragic Accident in Thailand Thailand -> United Kingdom = $5,323 A 21-year-old British citizen teaching in Thailand was struck by traffic and died later that day. WorldTrips worked with his parents, the local hospital, and government officials to arrange for the care, preparation, and return of his remains to his home country. The traveler’s Atlas Travel policy paid $5,323 to cover the cost of bringing his body home to his family so they could have a burial for their loved one. Review the policy documents for any plan you’re considering to see if it includes AD&D coverage and a Repatriation of Remains benefit before you purchase. Does Travel Health Insurance Include Flight Accident AD&D? Many travel health insurance policies, like Atlas Travel, include accidental death flight insurance, or flight accident AD&D, in the form of a benefit called Common Carrier Accidental Death. What Does Common Carrier Accidental Death Mean? Similar to the AD&D benefit, Common Carrier Accidental Death covers international travelers who experience an unintentional and unexpected accident or injury that causes their death. Death must occur within a certain number of days following the accident or injury and previous injuries or illnesses may not contribute to it. Unlike AD&D, Common Carrier Accidental Death covers passengers who are aboard a commercial airline or cruise line. PRO TIP: When comparing travel health insurance policies, look to see if the policies you’re considering offer both AD&D coverage and Common Carrier Accidental Death coverage. Get Coverage for You and Your Loved Ones After a Covered Worse-Case Scenario It’s hard to think about how you or your family members would cope if you were to face an unexpected worst-case scenario while traveling abroad. Travel health insurance can’t protect you against accidents, but it can help protect you and your loved ones against some of the expenses that could result from your covered, accidental death or dismemberment during your trip. That’s why our Atlas Travel health insurance plan includes important benefits like: Accidental Death & Dismemberment – Up to $25,000 to your beneficiary in case of your accidental death or dismemberment (ages 18 – 69) Repatriation of Remains or Local Burial/Cremation – Up to your policy’s overall maximum limit for the cost of returning your body to your home country OR up to $5,000 toward the cost of burying or cremating your body in the country of your death (ages 18 – 69) Common Carrier Accidental Death – Up to $50,000 to your beneficiary if you die as the result of an accident while onboard a commercial airline or cruise line (ages 18 – 69) Travel health insurance can be easy to purchase and budget friendly. Atlas Travel policies start at $0.50* per day for travel outside the U.S. or $0.96 per day for travel including the U.S. *Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age group (14 days - 29 years) who is traveling outside the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000). **Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age group (14 days - 29 years) who is traveling to the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000). Your plan cost will vary depending on: the level of coverage you choose the deductible you choose your age your destination your trip length In addition to choosing your overall coverage limit and deductible, you can select from several add-ons during the checkout process to further customize your policy to your needs and budget. Pro Tip! Start an Atlas Travel quote to see what the price would be for your trip. Atlas Travel’s Accidental Death & Dismemberment Benefit Atlas Travel pays eligible AD&D expenses according to your age group. For each age group, the benefit limit specifies: the amount it will pay out for a covered death or loss of two eyes or limbs the amount it will pay out for the covered loss of one eye or limb The benefit also includes a lifetime maximum amount. This is the maximum amount Atlas Travel will pay toward your covered accidental death or dismemberment expenses during your lifetime. Accidental Death & Dismemberment Excludes expenses resulting from Common Carrier Accident Age Group Benefit Limit 14 Days — 17 Years Old Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb Lifetime Maximum: $5,000 18 — 69 Years Old Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 Lifetime Maximum: $25,000 70 — 74 Years Old Death - $12,500 Loss of 2 Limbs - $12,500 Loss of 1 Limb - $6,250 Lifetime Maximum - $12,5000 75 Years Old or Older Death - $6,250 Loss of 2 Limbs - $6,250 Loss of 1 Limb - $3,125 Lifetime Maximum - $6,250 $250,000 maximum benefit for any one family or group. This benefit is not subject to the policy’s deductible or overall maximum limit. KHE2FFFYH6SP-971744701-1284 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.
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