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How to Survive a Dental Emergency Abroad

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How to Survive a Dental Emergency Abroad

The Accident-Prone Tourist's Sweet Tooth

Dear Tokio Marine HCC MIS Group:

As a travel writer, I'm always on the road. And as someone who's accident prone, I've learned the benefits of preparing for the unpredictable by purchasing travel insurance. Which brings me to a recent trip to Germany.

Prior to a conference, I visited several major cities throughout Germany. I'm happy to say, despite being a klutz (a word of German origin, by the way), I didn't trip or fall even once. It seemed like I was going to get through the trip without incident, until a fateful encounter with a gummy bear.

You see, instead of placing chocolates on pillows, hotels throughout Germany showcase what seems to be their national snack of choice – gummy bears. And, let me just tell you… they're delicious. And chewy. Very, very chewy.

At one four-star hotel, a bag of gummy bears was waiting for consumption upon check-in. Delighted, I popped a morsel into my mouth and proceeded to chew. Then, a funny thing happened. Well, not so funny. A dental crown on one of my teeth was suctioned off by a dreaded gummy bear. This resulted in instant pain. A lot of it.

accident-prone tourist accident-prone tourist accident-prone tourist

In horror, I stared at it in my hand and wondered: what should I do? And, will my travel insurance cover dental mishaps whilst overseas?

In this case, the hotel concierge was able to locate a dentist just across the street. Despite the conveniently-located dentist, I still wasn't sure if my medical bills for the emergency procedure would be covered. Do you offer insurance for travelers with an incessant sweet tooth?


The Accident-Prone Tourist

P.S. Red gummies are the best!


Dear Accident-Prone Tourist,

You're in luck! Both our Atlas Travel and Atlas Premium travel medical insurance plans, which are available in 130 countries and territories worldwide, include Emergency Dental coverage for up to $250 per certificate period. Exceptions to this are pre-existing dental issues (more about this found below).

As Tokio Marine HCC MIS Group maintains relationships with hospitals, doctors, and, yes- dentists- around the world, we can help you locate the appropriate healthcare professional while traveling internationally.

Prior to seeking treatment, your first course of action should be to phone us at 1-800-605-2282 or 1-317-262-2132. Additionally, Equian International, our international provider network, can be accessed online at equian.com. Simply fill in the country, city and type of healthcare provider required, along with language, gender and service criteria, and nearby recommendations will appear onscreen.

If a follow-up dentist visit is required upon returning home, Atlas Travel insurance policies extend for the international incident for a 90-day period.

As promised, here's some clarification regarding the coverage provided and possible exceptions in dental emergencies:

  • Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which was covered under this insurance.
  • Emergency dental treatment necessary to resolve acute onset of pain, provided treatment is obtained within 24 hours of the *acute onset of pain.

*In this case, "acute onset of pain" is defined as: A sudden and unexpected occurrence of pain which occurs spontaneously and without advance warning, either in the form of physician or dentist recommendation or symptoms, including pain, which would have caused a prudent person to seek medical or dental attention prior to the onset of pain. Treatment must be obtained within 24 hours of the sudden and unexpected occurrence of pain.

Feel free to give us a call for further clarification- or if you have additional questions- at 1-800-605-2282.


Tokio Marine HCC MIS Group Representative

P.S. And, while we agree that red gummies are tasty, we're kind of partial to the orange ones.

Don't forget to pack the Ultimate Guide to International Travel. Download now!


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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. 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.