How Travel Medical Insurance Protects Your Family While Vacationing Abroad

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Taking your family vacation international this year? Whether you're planning to soak up the sun in the Bahamas or knock some historical sites off your European bucket list, you're probably determined to relish every second you spend with your family abroad.

And while you're bound to have an incredible vacation experience, there are certain health, safety, and financial precautions you can take to secure the welfare of your family. One safeguard worth considering, as noted by the Centers for Disease Control and Prevention (CDC), is travel medical insurance.

What is travel medical insurance?

So, what is travel medical insurance, exactly? According to the CDC, it's a “relatively inexpensive" type of “short-term, supplemental" insurance designed to cover unexpected health care costs (hospital room and board, ambulance, emergency room costs, etc.) incurred while traveling or vacationing outside of your home country.

what is travel medical insurance

In addition to covering emergency medical costs, a travel medical insurance policy may provide benefits for political evacuation, terrorism, crisis response, natural disaster, accidental death and dismemberment, and/or repatriation of remains, among others.

Some travel medical plans even include benefits typical of standard travel insurance policies, like benefits for trip interruption, lost checked luggage, and travel delay.

For clarification on the differences between travel insurance and travel medical insurance, visit this blog post!

How does travel medical insurance protect my family?

It's important to understand that most domestic medical insurance plans do not apply outside of your home country. If you choose not to purchase a travel medical policy that covers you and your family across international borders, you are taking an unnecessary- and very avoidable- financial risk.

As the CDC points out, payment for medical care received abroad is usually required at the point of service. If you don't have adequate health coverage to cover you and your family while you're abroad, you'll be solely responsible for paying any medical bills resulting from unexpected illness or injury.

how does travel medical insurance protect my family

As a result, a simple medical emergency (like a broken leg requiring surgical repair- check out this real-life claims example) could end up costing you a fortune- or, as the CDC puts it- “a large out-of-pocket expenditure of perhaps thousands of dollars."

And, if the quality of local medical care is deemed inadequate, medical evacuation “from a resource-poor area to a hospital where definitive care can be obtained" may be medically necessary. This cost, according to the CDC, can exceed $100,000.

With a travel medical policy that includes a Medical Evacuation benefit, however, you would be covered up to the maximum for the cost of transportation to a facility with adequate medical care.

All in all, a travel medical plan is vital. It could be the difference between a trip ruined by an unexpected illness or injury and a trip with access to an international network of providers, quality care, and financial help should the need arise.

Not sure what to look for in a travel medical insurance policy? Check out this blog post for “must-have" features and “bonus" benefits!

What are my best options?

Tokio Marine HCCMIS Group, a full-service insurance organization with an “A+ (Superior)" rating by A.M. Best Company, offers Atlas Travel medical insurance in two different plan levels to ensure that you find the coverage you need at a price you can afford.

Atlas Travel: This policy provides customizable, quality coverage for international travelers seeking to balance essential and more specific needs.

Atlas Premium: This policy offers the same great coverage as Atlas Travel- with even higher coverage limits.

Traveling as a large family of 5 or more? Then check out Atlas Group insurance. It provides the same benefits and services of Atlas Travel- at a 10% discount for families or groups of 5 or more!

Here are just a few medical benefits of Atlas Travel:

  • Hospital Room and Board (average semi-private room rate, including nursing services)
  • Local Ambulance (usual, reasonable, and customary charges)
  • Intensive Care Unit (usual, reasonable, and customary charges)
  • Physical Therapy ($50 maximum per day)
  • Terrorism ($50,000 maximum lifetime limit, eligible medical expenses only)
  • Emergency Medical Evacuation ($1,000,000 lifetime maximum)
  • Repatriation of Remains (overall maximum limit)
  • Accidental Death and Dismemberment ($250,000 maximum for any one family or group)
  • Crisis Response ($10,000 maximum per certificate period)

Atlas Travel policies also offer additional benefits typical of standard travel insurance, including:

  • Trip Interruption
  • Lost Checked Luggage
  • Travel Delay
  • Personal Liability

So, why is Atlas insurance ideal for families? There are a number of reasons:

  1. Affordability: International coverage starts at just a dollar per day.
  2. Flexibility: It allows you to select your deductible, length of coverage, and level of coverage.
  3. Eligibility: You can purchase coverage for yourself, your spouse, and any number of additional dependents; anyone who is at least 14 days old and traveling internationally is eligible for coverage.
  4. Quality: It offers you and your family members quality protection should the need for emergency treatment arise.

It's important to note, however, that certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions include:

  • Pre-existing conditions
  • Routine medical examinations
  • Routine pre-natal care, pregnancy care, child birth, and post-natal care
  • Medical expenses for injury or illness resulting from participation in extreme sports

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group 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 Tokio Marine HCC – International Group.