Family Travel Medical Insurance

Maybe you’re taking your family vacation abroad this year – or perhaps you’re bringing your children along on a business trip overseas. No matter the reason for your international travel plans, you’re likely looking forward to spending some quality time with your family.

However, there are certain health, safety, and financial precautions worth taking to ensure the welfare of your loved ones. Perhaps the most vital of these is family travel medical insurance.

What is family travel medical insurance?

Family travel medical insurance is insurance that you purchase to protect your family in case the unexpected occurs while you are abroad. It typically includes medical benefits for the treatment of injuries and illnesses incurred abroad, emergency travel benefits (i.e. Emergency Medical Evacuation), and coverage for travel mishaps like the airline losing your checked luggage.

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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Family travel medical plans tend to vary in their coverages and coverage amounts, so it’s important to assess your family’s needs and choose your plan accordingly. Plans like Atlas Travel offer increased flexibility by allowing you to select your deductible, coinsurance, and policy length.

If you’re traveling as a family of 5 or more, you may want to purchase a group policy as a means of saving on your plan. Atlas Group offers the same great benefits as Atlas Travel—at a 10% discount for families or groups of 5-plus members!

Why do we need family travel medical insurance?

It's important to understand that your domestic health plan may not cover you or your family beyond your home country. If this is the case, then you will be responsible for paying unanticipated medical expenses incurred abroad.

The Centers for Disease Control and Prevention (CDC) notes that travel medical insurance can reduce “the cost of a medical emergency" and the resulting "financial burden on travelers" by providing access to quality care and financial help when the unexpected occurs.

How does family travel medical insurance protect us as we travel abroad? 

Here are just a few scenarios where having family travel medical insurance coverage could make all the difference in the world:

  1. Your spouse comes down with an unexpected illness that requires admittance to a hospital.

    Medical emergencies are scary enough when you’re in your home country, let alone a foreign country where you’re not familiar with the healthcare system – and you may not even speak the language.

    With family travel coverage, you’ll have access to first-rate hospitals, quality doctors and specialists, and coverage for the necessary emergency transportation services. With an Atlas Travel policy, for example, your spouse would be covered for the cost of a local ambulance, the intensive care unit, and hospital room and board for covered injuries or illnesses that result in hospitalization.

    Atlas Travel policyholders also have access to a full line of travel assistance services (i.e. translation services, lost travel document assistance, and more) available in multiple languages 365 days a year.

  1. You’re taking a family hike through a somewhat remote region of Europe and your teenage son falls and becomes seriously injured.

    He’s taken to the local emergency medical facility, but the facility cannot provide him with medically necessary treatment. If he is covered under an Atlas Travel medical insurance policy, then he will be covered for the cost of transportation to a nearby hospital equipped to provide necessary, life-saving treatment.

  1. You’re relaxing on the beach when you receive the devastating news that a member of your immediate family has passed away.

    Depending on the circumstances, you may wish to return home immediately. Under Atlas Travel’s Trip Interruption benefit, you will be covered for the cost of an economy, one-way air or ground transportation ticket to the terminal serving the area where you live.

  1. You’re at the airport ready for you initial departure – and then heavy fog causes your 4pm flight to be delayed until the following morning.

    Not only will you now need to find a last-minute hotel room that accommodates your entire family, but you’ll have to pay for meals that you hadn’t planned for when making your budget. Under Atlas Travel’s Travel Delay benefit, you’ll be reimbursed up to $100 a day for reasonable accommodations and meals if your covered, 12-plus hour delay requires an unplanned overnight stay.

  1. You’re traveling with your two small children when you come down with a covered illness that requires a week-long hospital stay.

    Because you’ll be unable to care for your young children for a period lasting over 36 hours, you’ll be covered for the cost of a one-way ticket for each child back to the terminal serving the area in which you principally reside.

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What should we look for in a family travel medical plan?

Consider your travel circumstances and priorities in order to find a family travel plan which aligns with your needs. If you’re not sure where to start, look to the following suggested benefits to start shaping your list:

If medical coverage is your top priority, consider benefits like:

  • Hospital Room and Board
  • Local Ambulance
  • Emergency Room Co-Payment
  • Emergency Medical Evacuation
  • Intensive Care Unit
  • Physical Therapy

If you’re traveling with your children or pet but without your spouse, partner, or other adult companion, consider benefits like:

  • Return of Minor Children
  • Emergency Reunion
  • Bedside Visit
  • Pet Return

*Learn more about these emergency benefits here.

If you have safety concerns regarding your destination, consider benefits like:

  • Terrorism
  • Crisis Response
  • Political Evacuation
  • Natural Disaster – Replacement Accommodations

*Learn more about Crisis Response coverage here.

If a top priority is ensuring your family would be compensated for eligible expenses in case something were to happen to you, consider benefits like:

  • Repatriation of Remains
  • Accidental Death and Dismemberment
  • Local Burial or Cremation

If you’re concerned about flight or luggage mishaps, consider benefits like:

  • Trip Interruption
  • Lost Checked Luggage
  • Travel Delay

What happens if you get sick overseas? Guarantee you have health coverage.

Why choose Atlas Travel insurance?

Atlas TravelAtlas Premium, and Atlas Group policies from Tokio Marine HCC – MIS Group offer all of the above benefits – and more. Atlas policies are:

  • Flexible – They allow you to select the deductible, length of coverage, and coverage maximum that best align with your travel needs.
  • Easy to Use  Online fulfillment is available immediately and no health screenings are required for acceptance. Plus, our worldwide provider network offers medical providers in over 130 countries and territories worldwide, helping you to find quality doctors and treatment.
  • Accommodating  Policies come with access to a full line of travel assistance services, available in multiple languages 365 days a year.

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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.