Why Do I Need
Adventure travel is a thrilling way to see the world. It allows you to escape your daily routine by exploring a new environment and pushing the limits of your endurance.
Whether you’re gearing up to hike Peru’s grueling Inca Trail or take a recreational ski trip through the Alps, adventure travel has its risks.
Here are three reasons to consider adventure travel medical insurance that travels with you as you explore the world:
1. No matter the destination you choose or the activities you plan, there’s always a chance you could face an unexpected illness or injury. Certain adventure travel activities can increase your risk of facing illnesses and injuries resulting from acute mountain sickness, decompression illness, equipment failure, falls, and wildlife attacks. Adventure travel medical insurance can provide coverage for medical expenses resulting from hospitalizations, surgery, emergency medical evacuation, and more.
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, adventure 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 Travel plan meets the requirements of many visas, including Europe’s Schengen visa. Atlas Travel also provides policyholders a visa letter you can use to help prove your ability to pay for unexpected medical expenses.
In the face of an unexpected medical emergency during your trip abroad, an adventure travel medical insurance plan can provide emergency travel assistance as well as important medical and emergency travel benefits.
Our Atlas Travel insurance plan pays 100% of eligible expenses after the deductible and up to the overall maximum limit. You can customize your Atlas Travel plan by choosing your deductible, coverage length, and overall coverage maximum. You can even increase your coverage amounts for several key benefits at purchase.
Some Atlas Travel Highlights Include:
*See the Description of Coverage for a list of excluded activities.
“Travelers should be educated about the traumatic risks of their intended travel activities and encouraged to plan their travels prudently, as nearly 66% of injuries sustained among travelers are preventable.”
- International Journal of Travel Medicine and Global Health
Follow These Precautionary Measures:
What Sports & Activities Are Covered Under
Atlas travel insurance?
Because no adventure would be complete without a few thrilling sports and activities, Atlas Travel insurance offers coverage for a number of sports and activities.
Some Covered
Mountain Sports Include:
Some Covered Sky Sports Include:
Some Covered Water Sports Include:
In Order to Be Eligible for Coverage, You Must:
Additional Atlas Travel Insurance
Highlights
How Do Atlas Travel
Benefits Work In Action?
See examples of how an adventure travel medical insurance plan like Atlas Travel can provide coverage for your adventure trip abroad.
As an international adventure traveler, you may be exposed to health risks such as jet lag, acute mountain sickness, decompression illness, mosquito-borne illness, food contamination, dangerous wildlife, or equipment failure. Plus, there’s always a risk of injury and fatal falls while participating in recreational sports and activities.
If a covered injury or illness results in a trip to a hospital, Atlas Travel will cover eligible costs for diagnostic testing, which may include:
Coverage also includes eligible costs resulting from:
Review full benefits, conditions, and exclusions here.
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, you’re covered under Atlas Travel’s Emergency Medical Evacuation benefit. This benefit will 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.
While no one wants to consider the possibility of losing an eye, limb, or their life while exploring the world abroad, it’s important to ensure that you or your beneficiary would be compensated for a worst-case scenario.
If you suffer a covered accident that results in the loss of one or more of your limbs or complete and irreversible loss of sight in one or both of your eyes, Atlas Travel will provide compensation – up to the amount stated in your schedule of benefits and exclusions – for eligible damages.
In the unfortunate event of your death, you may be covered for a local burial or the transportation of your remains back to your home country. For a covered accidental death, the full amount outlined in your policy documents will be paid to your beneficiary.
Learn more about the Accidental Death and Dismemberment (AD&D) benefit. Review the Atlas Travel Description of Coverage for full conditions and exclusions.
If a forecasted or sudden natural disaster forces you to evacuate planned and paid accommodations, Atlas Travel will cover up to $250 per day (for up to 5 days) for replacement accommodations.
Covered natural disasters include:
Note that there are limitations regarding hurricanes and typhoons. Review the “Natural Disaster – Replacement Accommodations” section of the Atlas Travel Description of Coverage for more details.
If you contact WorldTrips within 10 days of the travel advisory being issued, your Political Evacuation benefit will provide up to $100,000 to transport you to the nearest safe country or back to your home country.
We will work with On Call International to coordinate your travel arrangements and determine to which country you will be evacuated.
Why Choose
Atlas travel insurance?
Atlas Travel insurance is available to individuals 14 days old and up—including seniors and individuals over 80 years old—who are traveling outside of their home country. Coverage is available for trips up to 364 days. After your initial purchase, you will have the ability to extend your coverage via Member Portal, our online policy management portal.
Customize your policy by choosing the deductible, length of coverage, and overall coverage maximum that best align with your travel needs. You’ll also have the option to upgrade your coverage amounts for several key benefits.
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 your email address immediately upon purchase. You can also visit our Find a Doctor page to find qualified medical providers in your destination country.
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.
Like all travel medical insurance policies, Atlas Travel excludes certain scenarios and expenses from coverage. Visit our Atlas Travel page for an overview of the plan’s general exclusions or review the Atlas Travel Description of Coverage for a full list.
Exclusions Related to Adventure Sports and Activities
Atlas Travel insurance will not cover sports and activities if the following apply:
Certain extreme sports and activities are excluded from coverage. Here are some of the more asked-about exclusions:
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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.
