Holiday Travel Medical Insurance

Taking your holiday travel abroad this year? Whether you’re planning to escape the cold with a sun-kissed beach vacation or embrace the snowfall with a good old-fashioned ski trip, there’s one thing you should always consider when traveling outside of your home country – holiday travel medical insurance.

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



Get a Quote

What is holiday travel medical insurance?

Holiday travel medical insurance is insurance that provides international health coverage to those traveling abroad for the holidays. It typically offers coverage for the treatment of unexpected injury and illness, emergency medical evacuation, emergency travel, accidental death, and some travel mishaps (like the airline losing your checked luggage).

Why do I need holiday travel medical insurance?

Though undeniably exciting, international travel can still pose a risk to travelers. Here are 3 reasons to consider a holiday insurance plan for your adventure abroad:

  1. No matter the destination you choose or the activities you plan, there’s always a chance you could encounter a travel mishap, accident, or illness that calls for global insurance coverage. After all, overseas vacations can expose travelers to such factors as new environments, unfamiliar foods, and foreign bacteria.

  2. Your domestic health plan may not cover you outside of your home country or your international coverage may be very limited. If your insurance does not apply beyond your home country, then holiday travel medical insurance can pick up where your domestic coverage leaves off.

  3. Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses incurred in your host country. A holiday travel plan like Atlas Travel from Tokio Marine HCC – MIS Group meets the requirements of many different visas, including Europe’s Schengen visa. Atlas Travel conveniently provides policyholders with a visa letter to serve as proof of coverage.

Learn more about Atlas Travel insurance.

What does holiday travel medical insurance cover?

In the face of a medical or travel emergency abroad, a holiday travel medical plan can provide access to a worldwide network of doctors and hospitals, emergency assistance, and a number of vital benefits.

With an Atlas Travel plan from Tokio Marine HCC – MIS Group, you’ll be 100% covered for eligible medical expenses (after the deductible and up to the overall maximum limit) for injury and illness incurred within the PPO network or outside the United States.

For eligible injury or illness incurred outside the PPO network within the U.S., you’ll be covered for usual, reasonable, and customary charges.

Here are a few additional highlights of our Atlas Travel plan:       

  • Emergency Medical Evacuation coverage
  • Personal Liability benefit
  • Return of Minor Children and Pet Return benefits
  • Trip Interruption, Travel Delay, and Lost Checked Luggage coverage
  • Multi-lingual emergency assistance available 365 days a year

Click to see more Atlas Travel benefits.

How do these benefits work in action?

To get an idea of how these benefits work in action, check out the following emergency scenarios and learn how you would be covered with holiday travel medical insurance:

  1. The eggnog you purchased from a Christmas market in Vienna results in a serious bout of food poisoning that requires inpatient hospitalization.

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

    With a holiday travel medical insurance policy like Atlas Travel, you’ll be covered for the cost of a local ambulance to transport you to the hospital as well as hospital room and board for covered injuries or illnesses that result in hospitalization. You’ll also have access to provider referrals and translation services available in multiple languages 365 days a year.

  1. You’re exploring the white-sand beaches of an Indonesian island when you fall and become seriously injured.

    You’re taken to the local emergency medical facility, but the facility cannot provide you with the life-saving medical treatment you need.

    Luckily, you’re covered under Atlas Travel’s Emergency Medical Evacuation benefit, which covers the cost of transporting you to a nearby hospital that’s properly equipped to treat you.

  1. You’ve just touched down in your holiday destination when you receive the devastating news that a member of your immediate family has passed away.

    Atlas Travel’s Trip Interruption benefit can cover the cost of an economy, one-way plane ticket to return you to the terminal nearest your principle residence in your home country.

  1. After arriving at the airport for your initial departure, bad storms cause your evening flight to be delayed until the following morning.

    Rather than staying at the airport overnight and being exhausted for your early morning flight, you decide to get a hotel room. Not only do you now have to pay hotel costs that weren’t factored into your budget, but costs for extra meals eaten, as well.

    Under your Atlas Travel plan’s Travel Delay benefit, you’ll be reimbursed up to $100 a day for reasonable accommodations and meals incurred as a result of your covered, 12-plus hour delay.

  1. While on your Parisian dream vacation, you discover that your rental has been broken into and your luggage has been stolen.

    You have no idea how to go about acquiring a new passport and the language barrier is making it difficult for you to file a police report.

    With a policy like Atlas Travel, you’ll have access to travel assistance services available in multiple languages 365 days a year. Our operators can provide you with travel, legal, and foreign language assistance and help you to obtain a new passport and travel documents.

Get an Atlas Travel Quote

Why Atlas Travel?

Atlas Travel plans are available to anyone 14 days or older who is traveling outside of their home country and looking for coverage for up to 365 days. If you’re seeking even higher coverage limits, be sure to check out Atlas Premium. And if you’re traveling with a family or group of 5 or more? Atlas Group provides a 10% discount!

Atlas Travel, Atlas 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, you can find qualified medical providers in over 130 countries and territories worldwide.
  • Assistance  Policies come with access to our line of travel assistance services, available in multiple languages 365 days a year.

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


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.