Family travel insurance is an insurance policy you purchase to protect your family from unexpected medical expenses, while outside of your home country. Typically, the plan includes a mixture of medical and some travel–related benefits to meet family needs while traveling abroad. It’s important to look at the benefits, especially if your family is planning some adventurous activities, like zip lining or scuba diving, as many plans do not cover these activities. We offer Atlas Travel and Atlas Group (for families of five or more people) as a solution for traveling families needing protection.
Lots of reasons can be listed for why you should purchase family travel insurance before you go on a trip outside of your home country, but here are just a few:
Every family can benefit from our lost passport and travel document assistance services, as well as our embassy and consulate referrals, when a situation or need arises. Learn more about these and other great travel assistance services that are complimentary with our family travel insurance plans.
|Covered Benefits||Provided With Atlas Travel® insurance||Atlas Travel® Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions (excludes chronic and congenital conditions)||Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2,500.|
|100% cover for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% cover for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network, after the deductible; outside of the network incurred charges are also subject to coinsurance. See the Description of Coverage for more details||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, up to $1,000,000 regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing ensures that your policy information is available to print once your application has been processed and your credit card approved.||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping.||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Because many U.S. domestic insurance plans offer little or no emergency medical coverage outside of the country and Medicare and Medicaid do not pay for any treatments outside the U.S., check that you and your family are properly protected before your trip.
Here are a few planning tips to help keep your family healthy while traveling internationally and to make your trip more enjoyable, too.
*The claims example provided above is based on actual international health insurance claims handled by HCCMIS. Coverage for similar international health insurance claims is not to be inferred from the above example, as all claims are determined to be eligible/ineligible based on the applicable international health insurance policy and the facts and circumstances of each claim.
¹ See the Description of Coverage for details on the Acute Onset of a Pre-existing Condition benefit.
² See the Description of Coverage for details on the Lost Checked Luggage benefit.
³ CBS Interactive Business Network. “The New Family Vacation – demographics, US – Statistical Data Included”, March 18, 2011, http://findarticles.com/p/articles/mi_m4021/is_2001_August_1/ai_78426765/
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.