Why Travel Medical Insurance?

Posted by on in Insurance

Travel medical insurance probably isn’t the first thing that comes to mind as you prepare for an overseas trip. With all the logistics involved in scheduling vacation days at work, planning your itinerary, packing your suitcase, and getting transportation to the airport, travel medical coverage can become an afterthought.

But neglecting to think about travel medical protection could prove an expensive mistake; your existing health insurance might not provide as much overseas coverage as you might expect.

Are you prepared for an overseas emergency?

While some private health insurance companies will pay “customary and reasonable” hospital costs abroad, you might have to pay for overseas care even if your insurance is valid overseas. And very few policies will pay for a medical evacuation back to the United States, which can easily cost more than $10,000, according to the U.S. State Department.

Also, keep in mind that Medicare does not cover you when you’re abroad.

Even if you’re an experienced traveler, ask yourself these questions about how you’d handle a medical emergency abroad:

  • Can I afford to pay for international medical treatment in the event of an illness, accident or life-threatening medical emergency?
  • Can I afford to pay for a medical evacuation and do I know whom to contact in that event?
  • Can I afford to make abrupt travel arrangements to return home in the event of an emergency?

Travelers should carefully review their existing insurance coverage and their planned itinerary to determine what medical services might be covered abroad and what supplemental insurance they might need, according to the U.S. Centers for Disease Control and Prevention.

Cost isn’t the only consideration when it comes to international medical coverage. You’ve also got to think about actually getting the medical treatment. Will you be able to locate an appropriate medical facility on your own? What if you’re traveling somewhere where you don’t speak the language?

Benefits of Travel Medical Insurance

Travel medical insurance can protect you from the high cost of getting medical care overseas at an affordable price. In addition, travel medical coverage from a reputable company provides you support in making sure you get the best medical care while you’re outside your home country.

Our Atlas Travel Insurance allows you to get the right coverage for your travel situation. Choose a deductible from $0 to $2,500 for your travel period. Just a few of the many covered benefits include:

  • Guaranteed acceptance: No medical underwriting is required for eligible individuals. See the description of coverage for full eligibility.
  • Hospital room and board: Covered
  • Local ambulance: Covered
  • Intensive care unit: Covered
  • Outpatient treatment: Covered

Atlas Travel Insurance can cover a variety of medical costs from emergency dental procedures to physical therapy, so you won’t have to worry if and when disaster strikes about whether you’ll be able to afford medical treatment. Coverage is global so geographic boundaries will not pose a problem. With worldwide access, you can use the internet to look up a policy, file a claim, or get answers to questions. Or if you want to speak to someone in person, you can call our World Service Center 24 hours a day, 7 days a week.

If you’re planning to travel outside the country, get a free quote today for Atlas Travel Insurance. Learn how affordable a comprehensive travel medical policy can be.


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HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS 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.