Atlas Golf Insurance

Unexpected weather conditions can easily ruin a golf trip abroad. If you're traveling internationally to play golf, the last thing you want is a soggy course, cold rain, and weather-related mishaps interfering with your game. That’s where Atlas Golf comes into play.

Get These Unique Benefits with Atlas Golf

golf carts driving on course

This specialty insurance protects your investment by providing:

  • A monetary payout when heavier-than-expected rainfall ruins your trip
  • Coverage for lost or damaged golf equipment
  • Extensive travel medical benefits common to our Atlas Travel product line

Both golfers and non-golfers added to your Atlas Golf policy will be covered for eligible medical expenses, making Atlas Golf ideal for everything from business retreats and corporate travel to buddy trips and family vacations.

Our Atlas Golf plans are with you almost anywhere you may travel for an international golf trip.

Get a Quote

Plan Your Golf Trip with Atlas TCAST®

Tokio Marine HCC – MIS Group has partnered with the meteorologists and data scientists at Weather Analytics to create Atlas TCAST®, a free golf trip-planning tool to assist you in designing your ideal golf vacation.

Atlas TCAST® assesses historical and current weather data to predict your playing conditions.  Our “Misery Index” assigns each covered golf course a clear misery rating based on your trip dates and exceptional historic weather data for the targeted geographical areas.

The Misery Index factors in the weather-related conditions—including rain, wind, and temperature—that contribute to unpleasant playing conditions.

Check out the free Atlas TCAST® planning tool!

How the Rainfall Benefit Works

Atlas Golf provides an optional Rainfall Accumulation benefit. This benefit applies when rainfall exceeds an accumulation threshold determined by historic weather data. The benefit is the same across all three plan levels - $100 per course per day.

The Rainfall Accumulation benefit only applies to the days you designate when you purchase your policy. These should be the days you plan to play golf. It only applies to those people who you designate as participating in the golf outing(s).

The benefit is only triggered on days where our forecast predicts rainfall of 1/2 inch or less. This keeps Atlas Golf more affordable for you by limiting coverage to areas that would not typically experience heavy rainfall during a specific date range.

For example, it would be unwise to schedule a golf trip to Southeast Asia in the summer months because that region regularly receives significant rainfall throughout the summer season.

Get Coverage for Your Golf Equipment

When traveling internationally to play golf, your expensive equipment will be placed in many situations outside your control. Atlas Golf offers Golf Equipment Coverage of up to $3,000 per certificate period. This covers damage or loss of your golf clubs, golf bag, shoes, or non-motorized cart.

The optional benefit offers 3 levels of coverage, no matter your base plan:

Benefit Option 1 Option 2 Option 3

Golf Equipment Coverage

(per certificate period)

$1,500/certificate period (up to $200 per item)

$2,000/certificate period (up to $250 per item)

$3,000/certificate period (up to $400 per item)

Atlas Golf also provides a $500 equipment rental benefit (up to $50/day) to help offset the case of lost or damaged items.

Get a Quote

Atlas Golf Includes Medical Benefits

The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. In addition to weather and equipment benefits, Atlas Golf provides up to $2,000,000 in travel medical coverage as you cross international borders.

Choose your level of medical coverage

Atlas Golf is offered in 3 coverage levels – Amateur, Pro, and Masters:

Benefit Amateur Pro Masters


$250 (per Certificate period)

Maximum Coverage per Injury or Illness

Up to $500,000

Up to $1M

Up to $2M

Maximum Coverage (per injury or illness)

Up to $500,000

Up to $1M

Up to $2M

Maximum Coverage (per Certificate Period)

Up to $500,000

Up to $1M

Up to $2M

Coinsurance – Claims incurred in U.S. or Canada (per Certificate Period)

80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit

(Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to underwriters for review, and payment directly to the provider)

Coinsurance – Claims incurred outside U.S. or Canada (per Certificate Period)

100% of eligible expenses after the deductible up to the overall maximum limit

All Plan Levels Include Standard Travel Medical Benefits

Atlas Golf Insurance


Rainfall benefit for golf trips. Includes equipment coverage.



Get a Quote

The following benefits are subject to a $250 deductible (per certificate period) for all Atlas Golf plans:

  • Hospital Room and Board
  • Local Ambulance
  • Intensive Care Unit
  • Physical Therapy

Additional benefits (NOT subject to deductible or coinsurance) include:

  • Emergency Medical Evacuation
  • Accidental Death and Dismemberment
  • Repatriation of Remains
  • Crisis Response
  • Personal Liability
  • Trip Interruption
  • Lost Checked Luggage
  • Travel Delay

For a full list of benefits, check out the Atlas Golf Description of Coverage.

Exclusions in Your Atlas Golf Insurance Policy

Atlas Golf Insurance does not cover any injuries or personal liability resulting from golf played for wage, profit, or reward of any kind. Professional, amateur, or novice play during any type of competition or tournament is also excluded. Coverage extends to golf played solely for recreational purposes.

Coverage for pre-existing medical conditions is limited to the acute onset of a condition. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of the condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. For a complete list of exclusions, please see the Atlas Golf Description of Coverage.

Atlas Golf Insurance is Easy-to-Use

Atlas Golf customers will have immediate access to an easy-to-use smartphone app. Use the app to verify the weather conditions for your golf outings or to trigger a claim and submit it online. The link to download the app will appear on your policy fulfillment documents, as well as the purchase confirmation email.

Need more information?

Review the full list of benefits and exclusions for all three levels of Atlas Golf in the Description of Coverage.

Get a Quote


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. 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 HCC Underwriting Agency Ltd.