Not sure how to go about this? The first step is to determine whether your domestic health insurance policy offers any coverage beyond the borders of your home country. If it doesn’t, or if coverage is very limited, then it’s time to consider how you would pay for any out-of-pocket treatment costs resulting from unexpected injury or illness incurred abroad.
Atlas Travel Benefits for Emergency Situations Abroad
Atlas Travel is a travel medical insurance plan from WorldTrips that provides many key benefits for medical emergencies and other crises that might occur as you travel abroad.
The following benefits are subject to deductible and coinsurance:
- Hospital Room and Board
- Local Ambulance (when hospitalized as inpatient)
- Emergency Room Co-Payment
- Intensive Care Unit
- Physical Therapy and Chiropractic Care
- Terrorism-related Medical Expenses
Atlas Travel also provides several emergency medical benefits which are not subject to your deductible or coinsurance. This means you’ll have zero out-of-pocket expenses for eligible costs up to the maximum for each benefit.
These benefits include:
- Emergency Medical Evacuation
- Emergency Reunion
- Bedside Visit
- Return of Minor Children
- Pet Return
Understanding exactly what these benefits mean and how they apply is a great way to ensure you’ll be prepared if a medical emergency arises while you’re outside of your home country. Read on to discover how to use the emergency medical insurance benefits that accompany your Atlas Travel insurance plan.
Emergency Medical Benefits: What They Are and How to Use Them
EMERGENCY MEDICAL EVACUATION
Atlas Travel – $1,000,000 lifetime maximum
Atlas Premium – $1,000,000 lifetime maximum
The Emergency Medical Evacuation benefit provides emergency air and ground transportation from a hospital or emergency care facility that is ill-equipped to treat you to the nearest hospital that can provide adequate care.
Say you’re backpacking through a remote region of Europe when you fall and become seriously injured. You’re taken to the local emergency medical facility, but it cannot provide you with the necessary treatment. This may be due to insufficient supplies or equipment, lack of a proper specialist, or a subpar standard of care.
Your attending physician certifies that evacuation is medically necessary and that another means of transportation would result in the loss of your life or limb.
If you are eligible for the Medical Evacuation benefit under the Atlas Travel policy, WorldTrips will approve and coordinate your evacuation and you will be covered for the cost of transportation to a nearby hospital better suited to treat you.
How Emergency Medical Evacuation Works: During the Emergency
To utilize the Emergency Medical Evacuation benefit, you or your treating medical provider must contact WorldTrips to determine the need for evacuation. If you are deemed eligible for the benefit, we will arrange and coordinate your evacuation via emergency air or ground transportation.
Following the evacuation, you will be admitted to the nearest hospital qualified to treat you. You will be covered for continued and necessary medical care up to your policy maximum for eligible medical expenses.
Once you are stabilized, we will provide an economy air or ground ticket to your home or to the area from which you were evacuated.
How Emergency Medical Evacuation Works: After the Emergency
You will need to send any itemized medical bills, receipts for medical expenses incurred, and a completed Claimant's Statement and Authorization Form to WorldTrips within 60 days of the termination date of your policy.
TERRORISM
Atlas Travel – $50,000 maximum lifetime limit, eligible medical expenses only
Atlas Premium – $50,000 maximum lifetime limit, eligible medical expenses only
A Terrorism benefit from WorldTrips offers medical coverage for the treatment of injuries or illnesses resulting from an act of terrorism (up to the $50,000 maximum lifetime limit). This type of coverage is not standard with many travel-related insurance policies, so it’s important to read the policy documentation to understand exactly what is and is not covered.
Atlas Travel policies do not extend Terrorism benefits to policyholders traveling to a country or region for which the U.S. Department of State has issued a level 3 (“reconsider travel”) or higher travel advisory in the 60 days prior to the policy’s effective date. If the U.S. Department of State issues a travel warning for your location while you are there, you have 10 days to depart the country before your Terrorism benefit no longer applies.
For further details on the Atlas Travel insurance Terrorism benefit, see the Description of Coverage.
How the Terrorism Benefit Works: During the Emergency
You will receive the treatment you require for injuries or illnesses resulting from an act of terrorism, and the benefit will apply to eligible medical expenses and treatment costs up to the $50,000 limit.
How the Terrorism Benefit Works: After the Emergency
You will be required to send a completed Claimant's Statement and Authorization Form to WorldTrips within 60 days of the termination date of your policy.
EMERGENCY REUNION
Atlas Travel – $100,000 per certificate period, subject to a maximum of 15 days
Atlas Premium – $150,000 per certificate period, subject to a maximum of 15 days
The Emergency Reunion benefit covers the cost of one round-trip, economy ground or air transport ticket for the relative of a travel medical insurance policyholder to the location where said policyholder is hospitalized following a covered emergency medical evacuation.
If you are covered under an Atlas Travel policy from WorldTrips and the benefit is found to apply, your relative will be covered for reasonable lodging and meals incurred in the area where you are hospitalized for up to 15 days.
How Emergency Reunion Works: During the Emergency
Once WorldTrips has been contacted and determined you are eligible for the benefit, we will coordinate your relative’s transportation to the location where you are hospitalized following your covered emergency medical evacuation.
How Emergency Reunion Works: After the Emergency
For expenses resulting from lodging and meals, you will need to send any itemized bills, receipts, and a completed Claimant's Statement and Authorization Form to WorldTrips within 60 days of the termination date of your policy. Once approved, you will be reimbursed for your relative’s lodging and meal expenses.
BEDSIDE VISIT
Atlas Travel – $1,500 per certificate period
Atlas Premium – $1,500 per certificate period
The Bedside Visit benefit covers the cost of one round-trip, economy ground or air transportation ticket for the relative of a policyholder to the location where said policyholder is confined to a hospital intensive care unit following a covered, life-threatening bodily injury or illness.
How Bedside Visit Works: During the Emergency
Once WorldTrips has been contacted and found the benefit to apply, we will coordinate and pay for your relative’s transportation to the location where you are hospitalized in the intensive care unit following a covered, life-threatening ailment.
How Bedside Visit Works: After the Emergency
A may be needed.
RETURN OF MINOR CHILDREN
Atlas Travel – $50,000 per certificate period
Atlas Premium – $50,000 per certificate period
The Return of Minor Children benefit comes into play if you are the only adult traveling with one or more children under the age of eighteen and you are hospitalized for a covered illness or injury.
If this unanticipated hospitalization will result in your children being left unattended for more than thirty-six hours, you will be covered for the cost of ground or air transportation to send your children back to their principal residence.
How Return of Minor Children Works: During the Emergency
Once contacted, WorldTrips will coordinate and pay for the necessary travel arrangements (if the benefit is found to apply). If the covered minor child or children are unrelated to you, you’ll need to obtain the approval of an adult relative.
How Return of Minor Children Works: After the Emergency
A Claimant's Statement and Authorization Form may be needed.
PET RETURN
Atlas Travel – $1,000 per certificate period
Atlas Premium – $1,000 per certificate period
The Pet Return benefit applies to those age eighteen or older who are traveling with a pet and unexpectedly hospitalized for the treatment of a covered injury or illness.
If you are the only person age 18 or older and your hospitalization will result in the pet being left unattended for over 36 hours (and the benefit is found to apply), you will be covered for the cost of a one-way economy ground or air transportation ticket for your pet to the area of your principal residence.
How Pet Return Works: During the Emergency
After WorldTrips has been contacted and you are deemed eligible for the benefit, we will coordinate and pay for the necessary travel arrangements for your pet.
How Pet Return Works: After the Emergency
A Claimant's Statement and Authorization Form may be needed.

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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.