Best travel medical insurance for US citizens traveling abroad

Crisis Response:

• Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
• The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
  • Ransom
  • Crisis response fees and expenses
  • Reimbursement for personal belongings surrendered
• This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.

---

Accidental Death and Dismemberment (for ages 18 - 69 years):

• This rider, available to members ages 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum.
• Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions (as listed in the policy).
• Atlas Travel’s base plan provides $25,000 in AD&D coverage to members ages 18 to 69. This rider increases the total AD&D benefit to $50,000.

---

Optional Personal Liability Rider

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
  • Accidental loss of or damage to a third person’s material property (up to $25,000)
  • Accidental loss of or damage to a related third person’s material property (up to $2,500)
• This upgrade increases your Personal Liability coverage from $25,000 to $100,000.

Adventure Sports Rider:
Available for those up to the age of 65 years

If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.

More Details»

---

Enhanced Accidental Death & Dismemberment Rider AD&D Rider:
Available for primary insured person only

This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.More Details»

---

Mobile Device Protection:
Available in select countries on individual plans only

Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.More Details»

---

Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans U.S. residents only

This rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. More Details»

---

Teladoc Rider Insured Person meets the eligibility requirements, they are eligible for this rider

Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. More Details»

Adventure Activities Coverage:

• Covers up to medical maximum
• The company will reimburse you for covered expenses up to the amount in the schedule of benefits resulting from an injury sustained while participating in any of the following activities:

• Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

Hazardous Activities Rider:

• Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
• The following items will become covered with the purchase of the Hazardous Activities rider:
  • American Football
  • Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
  • Kite-Surfing
  • Mountaineering
  • Parachuting, Paragliding, Powerlifting
  • Running with the Bulls, Sky Surfing
  • Snow Skiing and Snowboarding
  • Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
  • Waterskiing, Whitewater Rafting.

---

Accidental Death and Dismemberment Benefit:

Add up to an additional $100,000 of coverage for only $1.25 per day.

*This additional coverage is not available to those age 70 or older.

---

Intercollegiate/Interscholastic Sports

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Visit USA HealthCare coverage includes coverage for recreational sports only. For those planning to participate in intercollegiate, interscholastic, or organized amateur sports, a coverage rider is available for $1.25 per day.

Hazardous Activities Rider:

• Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
• The following items will become covered with the purchase of the Hazardous Activities rider:
  • American Football
  • Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
  • Kite-Surfing
  • Mountaineering
  • Parachuting, Paragliding, Powerlifting
  • Running with the Bulls, Sky Surfing
  • Snow Skiing and Snowboarding
  • Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
  • Waterskiing, Whitewater Rafting.

---

Intercollegiate/Interscholastic Sports

• The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
  • Visit USA HealthCare coverage includes coverage for recreational sports only. For those planning to participate in intercollegiate, interscholastic, or organized amateur sports, a coverage rider is available for $1.25 per day.

Diplomat International travel insurance for adventure sports

If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Adventure Sports as defined. Adventure Sports means non-professional and non-competitive sports activities that are generally performed for recreation and leisure, and which are not a Bodily Contact Sport, Extreme Sport, Interscholastic Sport, Organized Sport or Mountaineering.

Adventure Sports include but are not limited to: cycling, fishing, swimming, scuba diving for certified divers up to a maximum depth of sixty (60) feet and for uncertified divers up to a maximum depth of thirty (30) feet, snorkeling, white or black water rafting Grades 1-3, canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking, sailing, boating, downhill Skiing, cross country Skiing, snowboarding, snowmobiling, sledding or tobogganing, snow tubing, ice skating, resort-sponsored activities, and approved activities of the Travel Supplier.

---

Optional Bodily Contact, Interscholastic, and Organized Sports

If You purchase this optional benefit, and if you suffer a loss due to an accidental injury while practicing, training for, or participating in Bodily Contact Sports. Bodily Contact Sports means any competitive team sport in which players or participants may have direct physical contact with an opponent.

Bodily Contact Sports include but are not limited to: football, soccer, baseball, wrestling, ice hockey, rugby and lacrosse. Bodily Contact Sports do not include Adventure Sports, Extreme Sports, Interscholastic Sports, Organized Sports or Mountaineering.

Interscholastic Sports means any athletic contest or competition between accredited educational institutions if the participants are sponsored by the educational institution and are under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports includes the practice or training for the competition and the travel to or from such practice or competition in a vehicle designated by the educational institution, both while under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports do not include Adventure Sports, Bodily Contact Sports, Extreme Sports, Intramural Sports, Recreational Sports, club sports or Mountaineering.

Organized Sports means Intramural Sports or Recreational Sports.

---

Optional Extreme Sports

If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Extreme Sports as defined. Extreme Sports means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb. Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear.

Extreme Sports include but are not limited to: skydiving, BASE jumping, hang gliding, Parachuting, bungee jumping, caving, rappelling, spelunking, white or black water rafting above Grade 3, Skiing or snowboarding outside marked trails or in an area accessed by helicopter, Mountaineering, Rock Climbing, any high‐altitude activity, personal combat or fighting sports, rodeo, racing or practicing to race any motorized vehicle, bicycle or watercraft, free diving, and scuba diving at a depth greater than sixty (60) feet or without a dive master. Extreme Sports do not include Adventure Sports, Bodily Contact Sports, Interscholastic Sports or Organized Sports.