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Group Travel Medical Insurance

What Is

Group Travel Medical Insurance?

An unexpected injury, illness, or travel mishap could occur during your group trip abroad. A group travel medical insurance plan like Atlas Group insurance can provide access to quality healthcare, medical coverage, and travel assistance as well as coverage for travel complications like interruptions and delays.

Atlas Group can provide time and cost savings by allowing you to purchase one policy for your entire group of 5 or more international travelers.

Atlas Group Highlights:
  • 10% reduced rate from our Atlas Travel insurance rates
  • Up to $2,000,000 of Overall Maximum coverage
  • Up to $1,000,000 of Emergency Medical Evacuation coverage
  • Up to $25,000 for Personal Liability
  • Supplemental travel benefits including Trip Interruption and Travel Delay
Topics Covered on This Page:
  • What is group travel medical insurance?
  • Why do I need group travel medical insurance?
  • What does travel medical insurance for group trips cover?
  • How do Atlas Group benefits work in action?
  • Why choose Atlas Group insurance?

Why Do I Need
Group Travel Medical Insurance?

Whether you’re planning to partake in a leisurely getaway, mission trip, student trip, or business venture abroad, group travel presents an opportunity to see the world and take care of business while splitting travel costs.

However, it’s wise to consider the unpredictable issues that might occur, such as travel delays, injuries, and illnesses.

Here are four reasons to consider group travel medical insurance for your trip abroad:

1. Your group could face a travel mishap, accident, or sickness that calls for global insurance coverage. Overseas vacations can expose travelers to new environments, unfamiliar foods, and foreign bacteria. Group travel medical insurance can cover eligible hospitalizations, surgery, travel delays, trip interruptions, and other expenses required to get your group 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, group 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 Group plan meets the requirements of many visas, including Europe’s Schengen visa. Atlas Group also provides policyholders a visa letter you can use to help prove your ability to pay for unexpected medical expenses.

4. A group travel medical insurance policy can save you money. Our Atlas Group insurance plan offers the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more.

Did You Know?

Purchasing travel medical insurance as a group can save you money.

Atlas Group insurance offers the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more.

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What Does Travel Medical Insurance for


In the face of an unexpected medical emergency abroad, a group travel medical insurance plan can provide emergency travel assistance as well as important medical and emergency travel benefits.


Our Atlas Group insurance plan pays 100% of eligible expenses after the deductible and up to the overall maximum limit. You can customize your Atlas Group plan by choosing your deductible, coverage length, and overall coverage maximum.


Some Atlas Group Highlights Include:

  • 10% reduced rate from our Atlas Travel insurance rates
  • Up to $2,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Includes coverage for injuries resulting from *covered sports and activities
  • 7 deductible choices: $0, $100, $250, $500, $1,000, $2,500, or $5,000
See the Description of Coverage for a list of excluded activities.
Additional Atlas Group Insurance


Benefits for Unexpected Death: Accidental Death & Dismemberment (AD&D), Repatriation of Remains, Local Burial or Cremation
Benefits for Unforeseen Emergencies: Emergency Medical Evacuation, Political Evacuation, Terrorism, Natural Disaster – Replacement Accommodations, Personal Liability
Family Transportation Benefits Resulting from a Medical Emergency: Bedside Visit, Emergency Reunion, Return of Minor Children, Pet Return
Supplemental Travel Benefits: Trip Interruption, Travel Delay, Lost Checked Luggage, Lost or Stolen Passport/Travel Visa, Border Entry Protection

How Do Atlas Group

Benefits Work In Action?

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

  • One of your group members purchases food from a local street vendor that results in a serious bout
    of food poisoning and 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 group travel medical insurance policy like Atlas Group, the traveler requiring inpatient hospitalization will be covered for the cost of emergency local ambulance transport to the hospital as well as daily hospital room and board for eligible treatment.

    They’ll also have coverage for all other eligible medical expenses, which may include physician charges, diagnostic testing, and more.

    Additionally, your entire group will have access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.

  • Your mission group is helping to build a school in a remote region of Africa when you fall off a ladder
    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, Atlas Group’s Emergency Medical Evacuation benefit can 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.

  • Your group has 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.


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

    Rather than staying at the airport overnight, your group decides to get a warm meal and a couple of hotel rooms. Under Atlas Group’s Travel Delay benefit, each group member will be reimbursed up to $100 a day for reasonable accommodations and meals incurred as a result of your covered, 12-plus hour delay.

  • After an important business meeting abroad, you return to your rental to discover it’s 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 Group 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  group insurance?


Atlas Group insurance is available to groups of 5 or more traveling outside of their home country for up to 364 days. Coverage is available to travelers 14 days old and up, including seniors and individuals over 80 years old. After your initial purchase, you will have the ability to extend your group coverage via Member Portal, our online policy management portal. 


Customizable Coverage

Customize your group policy by choosing the deductible, length of coverage, and overall coverage maximum that best align with your group’s travel needs. 


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 the purchaser’s email address immediately upon purchase. You can also visit our Find a Doctor page to find qualified medical providers in your destination country.


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

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 Group Description of Coverage.

*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.


WorldTrips 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.