Adventure Travel Health Insurance

Maybe you’re gearing up to hike Peru’s grueling Inca Trail and you need health coverage in case you fall injured or ill along the way. Or maybe you want to know you’ll have coverage if you decide to engage in some recreational skiing on your trip to the Alps.

No matter your destination, it’s important to acknowledge the potential risks of adventure travel – and purchase health coverage that travels with you as you explore the world.

What Are the Risks of Adventure Travel?

Like all forms of international travel, adventure travel has its risks. Read on to discover a few of the emergency scenarios you could face on your trip abroad – and learn how Tokio Marine HCC – MIS Group’s Atlas Travel insurance can help!

Risk #1: You could become injured or ill and have no choice but to seek medical treatment.

As an international adventure traveler, you may be exposed to health risks such as food contamination, jet lag, or mosquito-borne illness. Plus, there’s always a risk of injury when you participate in recreational sports and activities (or even when you’re just walking down the street!).

How Atlas Travel Can Help: If a covered injury or illness results in a trip to a hospital, Atlas Travel can cover various costs for diagnostic testing, such as:

• MRI’s
• X-Rays
• Ultrasounds
• Other laboratory services for internal injury examinations

Coverage may also extend to costs associated with hospital room and board, the intensive care unit, local ambulance, surgery, and physical therapy.

Be sure to check out the policy’s full list of benefits and exclusions here.

Risk #2: You could incur a severe injury or illness while exploring a remote region.

How Atlas Travel Can Help: If you sustain a covered, life or limb-threatening injury or illness and the nearest hospital or emergency care facility cannot provide the medically-necessary treatment, Atlas Travel can cover costs up to $1,000,000 for emergency air or ground transportation to the nearest hospital that can.

Risk #3: You could face a worst-case scenario.

While no one wants to face the possibility of losing an eye, limb, or their life while exploring the world abroad, it’s important to ensure you (or your beneficiary) will be compensated for eligible expenses.

How Atlas Travel Can Help: If you suffer a sudden accident that causes you to lose one or more of your eyes or limbs, Atlas Travel can 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 the transportation of your remains back to your home country, with additional benefits provided to your beneficiary.

Risk #4: An unexpected natural disaster could strike, displacing you from paid accommodations.

How Atlas Travel Can Help: If a forecasted or current natural disaster forces you to evacuate planned and paid accommodations, Atlas Travel offers up to $250 per day (for up to 5 days) for replacement accommodations.

Covered natural disasters include:

• Avalanche
• Earthquake
• Flood
• Impact Event
• Landslides and Mudslides
• Tornado
• Tsunami
• Volcanic Eruption
• Wildfire

Note that there are limitations regarding hurricanes and typhoons. See page 16 of the Atlas Travel Description of Coverage for details.

Risk #5: The U.S. government could issue a travel warning for your destination.

How Atlas Travel Can Help: If the U.S. government issues a level 3 or level 4 travel advisory after you have arrived and you contact Tokio Marine HCC – MIS Group within the following 10 days, your Atlas Travel plan can provide up to $100,000 to transport you to the nearest safe country (or back to your home country – whichever is deemed appropriate by MIS Group).

Risk #6: The airline could lose your checked luggage – and the attire inside could be necessary for your trip.

How Atlas Travel Can Help: In situations like this one, where your luggage has been lost for 10-plus days and you’ve filed a formal claim with your airline, your Atlas Travel policy can reimburse you for clothes and personal hygiene items up to $500 (not to exceed $50 on any one item). 

What Sports & Activities Are Covered?

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.

Covered Sports and Activities Include:

Mountain Sports

• Fell Walking/Running
• Indoor and Outdoor Rock Climbing
• Mountain Biking
• Mountaineering (at elevations under 4,500 meters)
• Rappelling
• Rock Scrambling
• Snow Skiing and Snowboarding (recreational downhill and/or cross country)
• Via Ferrata

Sky Sports

• Zip Lining
• Zip Trekking

Water Sports

• Body Boarding
• Scuba Diving (Must be PADI/NAUI certified or accompanied by a certified instructor at depths fewer than 10 meters)
• Surfing
• Wakeboarding

For a list of covered sports and activities, see page 18 of the Atlas Travel Description of Coverage.

Are There Any Exclusions to Keep in Mind?

Like all travel health policies, Atlas Travel excludes certain scenarios and expenses from coverage. Understand that you will not be covered if the following applies:

1. The activity is organized athletics (involving regular or scheduled practice and/or games)
2. The activity is performed professionally or for any wage, reward, or profit
3. Expenses result from a pre-existing condition*
4. Expenses result directly or indirectly from anything in the General Exclusions (pages 22-24)

Certain sports and activities are also excluded under Atlas Travel coverage. Here are some of the more asked-about exclusions:

• American Football
• Hang-Gliding
• Motorized Dirt Bikes
• Parachuting, Paragliding, & Parasailing
• Snow Mobiles
• Spelunking
• Whitewater Rafting

For a list of excluded sports, see page 18 of the Atlas Travel Description of Coverage.

*A pre-existing condition is any condition:

• for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage

• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage

• that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

What Makes Atlas Travel a Good Option for Adventure Travelers?

1. Choose your coverage level and deductible.
2. Buy online and receive your policy documents immediately.
3. Find doctors and hospitals in over 130 countries and territories worldwide.
4. Get access to our travel assistance services available 365 days a year.
5. Buy coverage while traveling.
6. Extend your coverage after purchase.
7. Cancel your policy if need be.

Visit our FAQ page to learn more about extensions and cancellations.