Best Travel Medical Insurance for US Citizens Traveling Abroad

• 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.

• 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.

• 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.

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.

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»

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 the world.More Details»

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

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»

• 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.

• 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.

• 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.

• Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
• Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.

• Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
• For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
• For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
  • Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
  • High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
• For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
  • Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
  • Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
  • High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.