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Guide to Transportation in the U.S.

Whether you’re traveling to a single U.S. city or touring the country, you’ll need to know how to get around. Public transportation in the United States is not always the most reliable option. Understanding the different modes of transportation available at your destination is the best way to avoid getting lost or stranded.

Use this article as an introductory guide to the different kinds of transportation you might come across while traveling in the United States. From public transit to hiring a car, discover which options are the cheapest, most accessible, and most reliable.


Public Transportation in the United States

Public transportation is rarely the most convenient way to get around in the United States. Although every city offers some form of public transport, only a few major cities have extensive public transit networks, including buses, trains, and rapid transit. Some well-connected cities include New York City, Washington, D.C., Chicago, and San Francisco.

That said, American public transportation is expanding. U.S. cities are increasingly incorporating more accessible, economical, and environmentally friendly transportation options every year.

Some of the public transportation options you might come across in the U.S. include:

  • Buses
  • Light rails
  • Subways and metros
  • Commuter trains
  • Streetcars and trolleys
  • Cable cars
  • Vanpool services
  • Ferries and water taxis
  • Monorails and tramways

While public transportation continues to grow across America, cars remain the most reliable way to travel within and between cities.


Bus Systems in the U.S.

There are two types of bus transport in the United States: city buses and interstate buses.


City Buses

As the name suggests, city buses are part of a city’s public transportation network. These buses make frequent stops within city limits and may offer limited service to surrounding areas.

The quality and reliability of city buses differs from city to city. Some of the cities with the best bus systems are Seattle, San Francisco, Honolulu, and Pittsburgh.


Interstate Buses

Interstate buses, on the other hand, are run by private companies and take passengers between cities across the country. These buses serve a vast selection of cities in every state and offer direct routes between most major cities. Travel to a smaller town, however, may require one or more transfers.

Interstate buses are a relatively comfortable mode of transportation. They tend to be clean, air-conditioned, and have on-board bathrooms. Many bus companies even offer free Wi-Fi.

The downside of traveling between cities by interstate bus is the length of the journey. The United States is large, and buses make stops every few hours to allow passengers to buy snacks, stretch their legs, and use the restroom. As a result, it usually takes longer to travel by bus than it would by private car.

Here are the average trip lengths of a few popular interstate bus routes:

  • Boston to Philadelphia – 7 hours (5 hours by car)
  • Los Angeles to San Francisco – 8 hours (6 hours by car)
  • New York to Boston – 4.5 hours (3.5 hours by car)

How to Travel by Bus


City Bus

Navigating city buses can be confusing the first time around. Before you take a bus, get to know the city’s various bus routes and identify the stops of departure and arrival.


Interstate Bus

The leading bus company with the most routes and stations in the U.S. is Greyhound. Other interstate bus companies include Megabus, Trailways, and Boltbus. We recommend reserving your seat on an interstate bus in advance. You can do so online, by phone, or at the station.

On the day of departure, plan to arrive at the station about an hour early to check in and check your items. Interstate buses leave on time.


Bus Fares and Payment


City Bus

You can usually purchase single-ride bus tickets directly from the bus driver. Simply board the bus and pay in cash. Otherwise, go to a public transit office to pay by card or to purchase a bus pass. Some cities may also allow riders to buy bus passes by card online.

Standard one-way bus fare ranges from $1.25 to $2.75. Most U.S. cities also offer discounted tickets of up to 50% for youth, senior passengers, students, military service members, and individuals with disabilities.

Here are standard bus fares in a few U.S. cities with highly rated bus systems:

  • Seattle – $2.75
  • San Francisco – $2.25
  • Honolulu – $2.75
  • Pittsburgh – $2.50


Interstate Bus

Purchase an interstate bus ticket directly from the bus company online, by phone, or at the bus station. You may be able to purchase bus tickets from independent agents as well, such as convenience stores or gas stations. Greyhound allows cash-paying passengers to reserve their seats in advance and pay at the station on the day of departure.

Bus travel may not be the most convenient, but it is the cheapest mode of transportation for long-distance travel in the U.S.

Examples of standard fares for popular Greyhound routes:

  • Boston to Philadelphia – $21
  • Los Angeles to San Francisco – $25
  • New York to Boston – $13

Like most public transportation systems, bus companies offer discounts for various passengers. For example, Greyhound offers discounts for children, students, active and retired military service members, and seniors. They also offer lower rates on Tuesdays and Wednesdays.


Tips for Traveling by Bus

  • Use a Map App – A GPS route-planning app, like CityMapper or Google Maps, is a useful tool for navigating city bus routes.

  • Purchase a Bus Pass – Multi-ride tickets and bus passes are a great way to save money if you plan to stick around in one city for an extended amount of time.

  • Label Your Luggage – Passengers traveling on an interstate bus will have to check full-sized luggage, so make sure it is clearly labeled. Checking larger items, such as skis or surfboards, may require an extra fee.

  • Locate the Bus Station – Interstate bus stations may be on the outskirts of the city. Consider the amount of time it will take you to get there when planning your departure.

Train Systems in the U.S.

While the U.S. rail system played an essential part in the initial growth of the country, it represents only a marginal role in modern American transportation. Various public and private rail systems exist across the country, but not all Americans use them regularly.

The United States has two types of train transportation: commuter trains and intercity trains.

Commuter trains are part of a city’s public transit system and serve to connect suburbs with downtown areas. They offer quick and affordable transportation across metropolitan regions. Only a few cities in the U.S. have a commuter rail system.

Here are a few of the country’s largest commuter rail networks:

Intercity trains are a mode of long-distance train travel, that connects cities across the country. Amtrak runs all American intercity train routes. With 35 lines across the country, these trains are mostly used for leisure travel, offering scenic views of both small-town America and big cities. Long-distance trains feature sleeping cars and on-board dining options. Most trains also offer free Wi-Fi.

Intercity train travel is neither fast nor cheap. Still, it is a fun and unique way to travel if your goal is to sightsee and you have ample time.

Some of the most popular intercity train routes include:


How to Travel by Train


Commuter Trains

Research which commuter rail lines you need to take to travel to your destination. Depending on the volume of traffic, trains may leave more or less frequently. Look up the train schedule and plan to arrive a few minutes in advance so you can purchase your ticket at the ticket counter or vending machine. Most commuter trains do not have reserved seats, so you can sit or stand where you please.


Intercity Trains

Arrive at the train station at least 30 minutes in advance. Arrive even earlier if you need to check a bag or bike or if you need help with your ticket. Amtrak trains sometimes arrive later than scheduled and may not rest at the station for as long as planned. Be prepared to board as soon as the train arrives.


Train Fares and Payment


Commuter Trains

Commuter trains are an affordable way to travel around metropolitan areas. Tickets may be slightly more expensive than a bus or subway fare and increase with distance. Unlike bus or subway fares, which are flat-rated and permit riders to get on and off where they please, commuter train fares are distance-based.

When purchasing your ticket, you will need to specify where you will get off the train. There are also discounted options available for people who plan on using the train more frequently. Some commuter trains offer discounts for round-trips, 10-trips, and monthly passes.

Purchase commuter train tickets at the train station. Reduced fares may be available for minors, seniors, people with disabilities, students, and military service members.

Here are some examples of commuter train fares:

  • MTA Long Island Rail Road (New York Metropolitan Area) – from $6.50 to $37
  • NJ Transit Rail (New York to New Jersey) – from $1.50 to $11.50
  • Metra Rail (Chicago) – from $4 to $8.25


Intercity Trains

Long-distance trains tend to be more expensive than other quicker forms of transportation. However, the comfortable experience and stunning views may be worth the cost.

There are four categories of tickets, from least to most expensive: Unreserved Coach, Reserved Coach, Business Class, and First Class. You can purchase tickets online, via the Amtrak mobile app, over the phone, at an Amtrak station, or through a certified travel agent.

Examples of Unreserved Coach fares on popular Amtrak routes:

  • The Adirondack – from $70
  • California Zephyr – from $141
  • Coast Starlight – from $50

Tips for Train Travel in the U.S.A.

  • Get a Train Pass – If you plan on staying in an area with a commuter rail line for a long time, consider purchasing a multi-ride ticket. You may also want to download the rail company’s app to cut down on paper.

  • Don’t Travel at Rush Hour – Save money on commuter trains by traveling at off-peak hours.

  • Use Commuter Trains on the East Coast – Commuter trains are especially popular in the Northeast Corridor (between Boston and Washington, D.C.). Prominent stops along this route include New York City, Philadelphia, and Baltimore.

  • Book Early – Amtrak fares are dynamic, which means tickets are cheaper the earlier you reserve them. Travelers can book tickets up to 11 months in advance.

Rapid Transit in the United States

Rapid transit is a kind of high-speed public transportation available in urban areas. Some examples of rapid transit include subways, metros, and other urban high-speed rail lines. These forms of public transit have a high passenger capacity and a high-frequency schedule.

Rapid transit systems are a quick, cheap, and reliable way to navigate urban areas in the United States. Unfortunately, you will only find them in a handful of highly populated U.S. cities.

The most-used rapid transit systems in the country include:

  • New York City Subway – New York City
  • Washington Metro – Washington, D.C.
  • Chicago “L” – Chicago
  • MBTS Subway – Boston
  • BART – San Francisco Bay Area
  • SEPTA – Philadelphia
  • MARTA Rail – Atlanta
  • Metrorail – Miami
  • RTA Rapid Transit – Cleveland

Cities without a rapid transit system may have other similar forms of public transportation, such as light rails, monorails, tramways, and trolleys. These are also examples of high-capacity, high-frequency urban rail systems. However, unlike subways and metros, they move at the average speed of traffic, typically cover a shorter distance, and are less likely to travel underground.


Rapid Transit Fares and Payment

In general, subways and metros are an affordable way to travel in American cities. Some rapid transit systems charge a flat fee, while others may charge by distance or time of day.

Here are some examples of standard fares for rapid transit in the United States:

  • New York City Subway – $2.75
  • Washington Metro – $2-$6 (depending on distance and time of day)
  • BART – $2-$16.65 (depending on distance and travel to or from airports)
  • Chicago “L” – $2.25

To purchase single ride tickets for a subway or metro, you’ll need to buy from a vending machine or, in some cases, at a ticket counter. As with other forms of public transport, some passengers may be eligible for a reduced fare.


Tips for Traveling by Rapid Transit

  • Validate Your Ticket – Most subways and metros require you to validate your ticket before entering the platform. Light rail systems, monorails, and trams, however, may require you to validate your ticket after boarding. An unvalidated ticket could cost you a hefty fine!

  • Know Where You Are – Taking underground rapid transit can be disorienting, especially when entering and exiting the station. Use the maps located at exits to help you get your bearings.

  • Plan Your Route with an App – Use a trip-planning app like Google Maps to help you navigate the maze-like rapid transit networks.

  • Be Considerate – Subways and metros are often crowded. Practice common courtesy by letting riders off before boarding, not leaning against the pole, and keeping feet and bags off of seats.

Taxis in the U.S.

In big cities, taxis are a convenient alternative to public transportation, especially if you are heading to or coming from somewhere far from a rail station or bus stop.

In New York City, yellow “Medallion” cabs are plentiful and dominate Manhattan. Other cities where taxi transport is standard include Chicago; Washington, D.C.; Los Angeles; Houston; and San Francisco. In the downtown areas of these cities, finding a taxi shouldn’t be too much of a challenge. In most other cities, however, it may be easier to call a taxi service and order a driver to your location.


How to Take a Taxi

To identify an available taxi, look at the lights on the top of the car. If the lights are on, the cab is available for hire. If the lights are off, the taxi is occupied or off duty.

In cities with a high concentration of taxis, the best way to take a taxi is to hail one by raising your hand and making eye contact with a driver. You can also wait at a taxi stand. Once a taxi arrives, get in the backseat and give the driver the address—not the name—of your destination.


Taxi Fares and Payment

Taxis are metered and have a starting rate of around $3. Every mile traveled costs an additional $2 to $3. You should always tip your driver a few dollars, even for short rides. For longer journeys, be prepared to give your driver a tip of 10% to 15%.

 


Why Choose Taxis Over Ridesharing?

  • You Don’t Need a Smartphone – Unless you have paid for an international data plan for your smartphone, you probably won’t be able to access ridesharing apps. Taxis are an easy, app-free way to get a ride when and where you need it.

  • You Can Pay in Cash – To avoid burdensome foreign transaction fees on your credit card, you might want to pay in cash. Unfortunately, cash payments are not an option in most rideshares. Taxis, on the other hand, still accept (and often even prefer) cash payment.

  • Predictable Pricing – Unlike “surge pricing,” which can increase ride fares by up to 400% on ridesharing apps, taxi pricing is very straightforward. At most, fares may be taxed an additional $0.50 during peak hours or on Sundays.

  • More Reliable in Remote Areas – While ridesharing drivers are plentiful in cities, they have a much smaller presence in remote areas. Even in remote areas, you may still be able to call a taxi company and arrange a driver to come to you.

Ridesharing in the U.S.

In the last decade, ridesharing has become a principal sector of transportation across the developed world. In the United States, Uber and Lyft dominate the market.

To use these services, you must have a smartphone with data service. In the ridesharing app, input the address of your destination, choose your trip preferences, and request a ride from a nearby driver. Once a driver accepts your ride request, you will get a confirmation notification. You will be able to track your driver as they arrive.


Cost and Payment

When you create an account with a ridesharing service, you must provide your credit card and billing information. In general, this is how you pay for any use of a ridesharing service. 

 

NOTE: Uber recently rolled out a payment option called Uber Cash, but it does not actually allow you to pay drivers in physical money. Rather, it allows riders to create a "cash budget" to prevent overspending on the app. It works essentially like a gift card. 

 

Uber and Lyft use dynamic pricing that factors in a base fare, a cost per minute, a cost per mile, and other fees, such as “surge pricing.” Surge pricing occurs when drivers are in high demand, typically due to large events or holidays, causing an increase in fares. Surge pricing is unpredictable and may be twice as much—or more—than your standard fare.

Like taxi drivers, Uber and Lyft drivers in the United States expect a tip of 10%-15%. Forgetting to tip might result in a lousy passenger review.


Why Choose Ridesharing Over Taxis?

  • More Convenient – With ridesharing apps, you don’t have to wait until an available taxi appears on the street. Simply order on your phone and a driver will arrive at your location within minutes.

  • Reliable Rating System – After each ride, passengers and drivers rate each other, contributing to an overall user score. This score is a great way to gauge the quality of a potential driver.

  • Don’t Have to Worry About Payment – Ride sharing apps automatically bill you after each trip, so you don't have to waste time fumbling with credit cards or cash.

  • See a Price Estimate Before You Order – Before you choose ridesharing over public transportation, you can see how much the trip might cost you. If the final price ends up being significantly greater than the estimated cost, you can always file a complaint with the company.

Safety Tips for Ridesharing

Although convenient, ridesharing services like Uber and Lyft do have their downsides. Because they are less regulated than traditional taxi companies, it is easier to be duped or scammed by a driver or someone posing as a driver. When using ridesharing apps, practice the following safety precautions, just in case.

  • Share Your Trip – Select “share trip status” on Uber or “share ride details” on Lyft to share information about your trip with someone you trust. This tool will send your contact a link allowing them to track your trip in real-time and make sure you get to your destination. 

  • Confirm Your Driver and Car – Before you get into a car, make sure the vehicle and driver match the description provided in the app. A good practice is to ask the driver to confirm the name of the passenger to prove they are indeed your driver.

  • Track Your Ride – In your app or in a separate mapping app, track your course to make sure you are taking the most direct route possible. Some drivers may try and take advantage of foreigners by driving off-course and running up the meter. If you notice the route is taking longer than it should, say something to the driver or make a complaint to Uber or Lyft.

Renting a Car in the United States

According to the U.S. Department of State, 95% of Americans own a car. Driving is a big part of American culture and the preferred method of traveling in and between cities.

So, for a truly American experience, why not rent one? It may not be the most economical or eco-friendly form of transportation, but it is the most flexible. Driving will grant you access to places you might have trouble getting to otherwise. Keep in mind, the United States is expansive, and distances between attractions may be vast and poorly served by public transportation.

Reserving a car in advance is recommended, but not necessary. Doing so will help you budget for your trip and may save you some money on fees.


U.S. Requirements for Renting a Car

Travelers who plan on renting a car in the United States should research the driving laws at their destination before departing their home country. Each U.S. state has its own rules and regulations for renting a car and the types of accepted documentation. Rental companies also have rules and regulations that may differ from state laws.

Generally, travelers who are at least 25 years old and have a valid driver's license written in English should not have trouble renting a car. However, you may run into trouble if your license is not originally in English and does not include English translations. These travelers may need to acquire an International Driving Permit (IDP) before traveling abroad.

Depending on the state and the car rental company, some travelers under the age of 25 may still be able to rent a car for an added fee. 

 

NOTE: The United States does not issue International Driving Permits to foreign nationals. To get an IDP, you should contact the department of Motor Vehicles in the country that issued your driver's license. 

 

Drivers must have auto insurance to operate a vehicle in the United States. Make sure you have auto insurance coverage before signing a rental agreement.


Tips for Renting a Car

  • Beware of IDP Scams – The only way to attain a valid International Driving Permit is through the department of motor vehicles in your home country. However, you may come across various services and organizations claiming to provide them. These are not authorized vendors, and you should not give them your personal information or money.

  • Read the Rental Agreement – Review your rental contract in detail before you sign it to make sure you understand any fees and stipulations.

  • Don’t Duplicate Coverage – Before you agree to the rental company's standard auto insurance, make sure you don't already have coverage. You may already benefit from your personal auto insurance, credit card, employer (if traveling on business), or other entity.

Biking in the U.S.

Over the last couple of decades, biking has become more prevalent in cities and among those trying to lower their carbon footprint. Now that most cities have bike lanes, biking is more accessible as a form of everyday transport than ever before.

Avid cyclists or travelers who want to hold on to their bikes as they move around might want to buy bikes for the duration of their trip. Bikes are usually available for low prices on sites like Craigslist or Facebook Marketplace. At the end of your trip, you can sell your bicycle back on the same platform.

Long-term bike rentals are relatively easy to find, as well. It typically costs about $100 per week, and you may be required to provide a security deposit.

Bike lovers should consider traveling to these bike-friendly U.S. cities:

  • Minneapolis, Minnesota
  • Portland, Oregon
  • Boulder, Colorado
  • Seattle, Washington
  • Eugene, Oregon
  • San Francisco, California

 

Bike-Sharing Programs

In recent years, bike-sharing services have exploded across the United States. Between private bike-sharing companies (like Uber’s Jump and Lyft’s Motivate) and bike shares run by public transportation systems, bicycles are now easy to borrow in most American cities.

Some bike-sharing systems rely on docks scattered around a city. To borrow a bike, simply input your payment information, and a bike will be unlocked for you to use for a short amount of time. Other bike-sharing programs are app-based. Use the app to locate a bike near you and leave it at your destination.

The cost of borrowing a bike is about $2.50 per hour, depending on the service you use, making it a cheap—not to mention healthy—way to navigate a city. Some bike shares also offer 24-hour passes or multi-day passes. For example, Capital Bikeshare in Washington, D.C. only charges $8 for a one-day pass and $17 for a 3-day pass.


Tips for Using Bike Lanes in the U.S.

  • Plan Your Route – Going for a casual bike ride can be a fun way to take in the sights of a new city. However, if you have a destination in mind, always look up directions in advance. Some routes may be more bike-friendly than others.

  • Wear Your Helmet – You should always wear a helmet when riding a bike. In some cities, it is even required by law for children under 18.

  • Stay Off the Sidewalk – Use a bike lane whenever available and avoid riding on sidewalks as much as possible.

  • Save the Music for Later – Riding with headphones is a safety hazard for you and everyone around you. Stay alert and aware of everything going on around you, especially when riding in an unfamiliar city.

The United States offers many modes of transportation to suit your travel needs and preferences, but remember each city is different. Do further research on each of your destinations to learn which forms of transport will be available to you and determine which is best for your trip.

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Bowing is the main greeting in Japan. Perform a basic bow by bending from the waist with your back and neck straight and your eyes looking down. Men: Keep your hands at your sides. Women: Clasp your hands at your sides. Most people will recognize that you are a foreigner and you may not know the proper way to bow. As a tourist in Japan for the first time, a nod of the head is sufficient. Business travelers to Japan, however, should practice their bowing technique. What to Expect Inside a Japanese Home Being invited to a Japanese home is an honor. The Japanese people make a clear distinction between inside and outside, so you should remove your shoes at the entrance area (called the genkan) and replace them with slippers. These rules also apply to most traditional ryokan (Japanese-style inns) and sections of temples, castles, or other historic buildings. Bare feet are not acceptable. You must wear socks or a pair of indoor slippers. NOTE: You may be provided with a separate pair of slippers to use when you go to the bathroom inside someone's home. Dining Etiquette in Japan Most restaurants in Japan have low tables and cushions on a tatami floor (and/or Western-style chairs and tables). Just as you remove your shoes before entering someone’s home, you are expected to remove your shoes before stepping onto a tatami. You’ll be provided with a wet towel to clean your hands at the beginning of your meal. Bring small bowls close to your mouth when eating but keep larger dishes on the table. Just as you wouldn’t serve yourself with your own fork, use the opposite end of your chopsticks or designated serving chopsticks to choose food from a shared dish. At the end of your meal, replace the lids on dishes and put your chopsticks back on the chopstick rest or in their paper holder. You'll bring your bill up to the cashier to pay at most restaurants in Japan, and you'll most likely need to pay cash. A Quick Lesson in Using Chopsticks Chopsticks alone can make any seasoned traveler wary of meals. But you should be fine if you follow these tips: Hold the upper chopstick like a pencil, leaving about one-third of the chopstick to the right of your fingers. Place the second chopstick against your ring finger and hold it with your thumb. Make sure it points in the same direction as the first chopstick. Use your thumb, index finger, and middle finger to move the upper chopstick. Keep these no-no's in mind: Do not stick chopsticks into your food or spear your food with them. Do not point with your chopsticks. Do not play with your chopsticks. What to Expect from Bathrooms in Japan We’ve all seen a T.V. show or movie where an unexpecting guest is tormented by the novelties of a Japanese toilet. Many Western toilets in Japan have unique features such as a heated seat or an automatic lid opener, but they’re far less complicated to understand than pop culture makes them out to be. You’ll find two types of toilets when traveling in Japan: Japanese style and Western-style. Public bathrooms are usually equipped with both. Keep in mind that toilet paper is not always provided in public bathrooms. Both Western and Japanese style toilets usually have two flush modes: "small" (小) and "large" (大), differing in the amount of water used. Look for these symbols to avoid ending up like your favorite sitcom character. If you're a Japan toilet enthusiast, visit the Toto Museum in Kitakyushu. The museum is dedicated to the history of toilets! Proper Etiquette at Japanese Temples and Shrines As a first-time visitor to Japan, you may have several temples and shrines on your itinerary. It's important to behave properly when visiting these ancient relics. Temples and shrines in Japan are places for reflection, meditation, and prayer, so be sure to behave in a calm and respectful manner. Note that you should not visit a shrine if you are sick or in mourning. When you arrive at a temple in Japan, show your respect by saying a short prayer in front of the sacred object and by throwing a coin into the offering box. You may be asked to take off your shoes when entering temple buildings, so remember to wear clean socks. Most shrines in Japan have a purification fountain near the entrance. Fill one of the ladles provided and rinse both your hands. Do not transfer any of the water directly from the fountain to your person, and do not return any water in the ladle back into the fountain. To make an offering at a shrine, place a coin in the offering box, bow twice, clap your hands twice, bow again, and pray. Pictures are normally allowed on the grounds of temples and shrines but forbidden inside the buildings. Be respectful of signs. How To Travel to Japan Without Knowing Japanese Traveling to any country without knowing the language is difficult. Learning some commonly-used phrase before you travel to Japan will make navigating this country a little bit easier. Here are some common Japanese phrases you may use or hear on your first trip to Japan: Good morning – Ohayou gozaimasu (formal); Ohyayou (informal) Hello – Konnichiwa Good evening – Konbanwa Good night – Oyasuminasai Thank you – Arigatou gozaimasu (formal); Arigatou (informal) My name is [name] – Watashi no namae wa [name] desu This is my [wife/husband/child(ren)/parents/relative/friend/boyfriend/girlfriend] – Watashi no [tsuma/otto/kodomo/oya/shinseki/tomodachi/kareshi/kanojyo] desu Taxi – takushi I want to go to [location] – [location] e ikitai desu Where is [location] – [location] wa doko desuka Up – Ue Down – Shita Right – Migi Left – Hidari May I have [item] – [item] wo kudasai How much is it? – ikura desuka Do you have Wi-Fi? – Wi-Fi arimasuka I don’t feel well – Guai ga warui desu Download the introductory Japanese course for English speakers on Duolingo a few weeks before your trip to help you learn phonetic pronunciations and gain a more robust vocabulary. PRO TIP: Any attempt to communicate in Japanese will go a long way with the Japanese people. The Japanese are known for omotenashi, which translates into “selfless hospitality.” Japanese Currency and Exchange Rates Japan is considered a cash-based society even though most stores, restaurants, and hotels in major cities accept major credit cards. It is prudent to always carry a few thousand Japanese yen (abbreviated JPY or JP¥) just in case. You can buy Japanese currency at physical or digital exchanges. Banks, post offices, and some hotels in Japan handle currency exchanges. Avoid airport-based exchanges – rates tend to be worse there than elsewhere. You can also make ATM withdrawals with foreign cards at over 10,000 7-Eleven convenience stores across the country. Travelex offers a search feature to find the nearest store where you can buy Japanese currency. It also offers the option of purchasing yen online. *Current Exchange Rate in 2024: $1 USD = about ¥161.78 JPY €1 EUR = about ¥175.12 JPY *As of publish date. Japan’s currency tends to fluctuate a bit, but you can use this currency converter to see how much you’re spending. How Much Does It Cost To Go to Japan for a Week? A one-week trip to Japan will allow you to explore the country without racking up crazy expenses. Assuming you keep your spending low, this is what your week in Japan could look like: Roundtrip international air ticket (Narita Airport) = $750 USD Shuttle bus (Narita Airport to Tokyo Station) = $9 USD Hostel in Tokyo: $50 USD/night x 3 days = $150 USD Hostel in Kyoto: $25 USD/night x 2 days = $50 USD Hostel in Osaka: $25 USD/night x 2 days = $50 USD Japan Railway Pass = $270 USD Food budget: $30 USD/day x 7 days = $210 Drinks and other expenditures (souvenirs, experiences, etc.): $25 USD/day x 7 days = $175 Travel medical insurance = $19.36 USD* This example of a 7-night, 8-day trip to Japan adds up to a little under $1,700 USD. Not too bad for such an exciting destination! PRO TIP: Air China consistently offers the best fares for visiting Japan on a whim. Roundtrip flights from the city of Los Angeles can be as little as $600 USD. *This travel medical insurance cost example is for a 35-year-old traveling to Japan for 8 days in August 2024 with a $0 deductible and a $2 million maximum limit under the Atlas Travel policy from WorldTrips. The per-day cost for a trip to Japan depends on your age and the deductible and overall maximum limit you choose. Japan Visa Requirements and Travel Vaccinations An important part of planning your first trip to Japan is ensuring you have the proper documentation to enter the country. U.S. citizens do not need a visa to enter Japan. A valid passport and onward/return tickets will allow you entry into the country for stays of up to 90 days. NOT A U.S. CITIZEN? See our Japan visa page to determine whether or not you need a visa to travel to Japan. Plus, see visa requirements! There are currency restrictions when traveling in Japan. Amounts equivalent or superior to ¥1 million JPY or above (roughly $6,181 USD in August 2024) are subject to declaration upon arrival and/or departure. Please note the visa exemption arrangement does not apply to: News and media-related activities Citizens attending depositions taken by U.S. Consul S. federal government employees on official business or transit to/from official mission Japan does not require any vaccinations for U.S. citizens to enter the country. Malaria has been eradicated from the tropical areas of the country since 1961. The Best Time of Year To Visit Japan The islands that comprise Japan witness a variety of climates. The best time to visit Japan will be decided by what you wish to do and see while in the country. As a first-time traveler to Japan, spring may be the best time to visit. The popular destinations of Tokyo and Hiroshima enjoy temperate climates, so fall and spring are pleasant times to visit. Cherry blossom season is in April and is a must-see event on many first-time traveler’s bucket lists. Accommodations may be more expensive, but cherry blossom season gives visitors to Japan an authentic glimpse into Japanese tradition and culture. May-August is the best time to visit Japan if you’re traveling on a budget. Temperatures rise in the summer, but hotel prices drop. The natural beauty of the many forests and gardens truly comes to life in the summer months. Be wary of typhoon season, however, if you plan to visit Okinawa during the summer. The island of Hokkaido is a great destination for winter travelers to Japan. The mountains of Hokkaido enjoy robust amounts of snowfall, attracting local and foreign tourists alike to its mountain resorts and traditional onsen (Japanese hot springs). Choosing Where To Travel in Japan Japan is divided into four main islands: Hokkaido Honshu (further divided into Tohoku, Kanto, Chubu, Kinki/Kansai, and Chugoku) Shikoku Kyushu (which includes Okinawa) Hokkaido Hokkaido is the second-largest and northernmost of Japan’s four main islands. It is popular for its winter temperatures and a plethora of snow resorts. The largest city on the island of Hokkaido is Sapporo. Honshu The largest island in Japan, Honshu is home to five regions: Tohoku – Located in the northern area of Honshu, Tohoku is known for its beautiful countryside, mountains, lakes, and onsen (hot springs). Tohoku was hit by the 2011 earthquake, tsunami, and subsequent Fukushima nuclear accident, but the area has mostly recovered. Sendai is the largest city in the Tohoku region. Kanto – Translated literally to “east of the border,” Kanto is perhaps most famous for being home to the cities of Tokyo and Yokohama. Chubu – Chubu is best known as the home of Mt. Fuji. This Japanese region borders the Pacific Ocean and the Sea of Japan and houses popular destinations like Nagoya and Niigata. Kansai – The political and cultural center of Japan for centuries, the Kansai region includes the major cities and tourist destinations of Kyoto, Osaka, Nara, and Kobe. Chugoku – Chugoku makes up the western part of Honshu and is commonly subdivided into the urban/industrial area of Sanyo and the rural area of Sanin. You’ll find Hiroshima and Miyajima in the Chugoku region. Shikoku Shikoku, which translates to “four countries,” is Japan’s fourth-largest island. It is divided into four prefectures: Ehime, Kagawa, Kōchi, and Tokushima. Unlike the other three main islands of Japan, Shikoku has no volcanoes. Kyushu Kyushu is Japan’s third-largest island. Kyushu was an early center of Japanese civilization and offers visitors natural beauty and many historical treasures. Kyushu is home to several onsen, the city of Nagasaki, and the islands of Okinawa. How To Get to Japan Japan has four major international airports: Narita Airport – Located in Tokyo Haneda Airport – Located in Tokyo Kansai Airport – Located in Osaka Central Japan Airport – Located in Nagoya Direct flights are available to Tokyo from major west coast American cities like Seattle, San Francisco, Los Angeles, and Honolulu. Flights with one stop (often in Hong Kong, China) also connect the U.S. with important Japanese cities, such as Osaka, Fukuoka, Nagoya, and Sapporo. Many European and Asian destinations also offer direct flights to Japan. For example, travelers from the U.K. can get a direct flight on British Airways from London Heathrow to Narita Airport in Tokyo. Where To Stay in Japan Luxury, budget, and tradition-seeking travelers alike can find accommodation in Japan that meets their needs. Finding the right place to stay will depend on your wishes and expectations. Those looking for immersive experiences should look at Airbnb lodgings and ryokan (traditional Japanese guesthouses). If comfort is most important, find solace at a luxury hotel. And for budget travelers, there are tons of hostels available. Take a peek at some of the top-ranked accommodations throughout Japan: Top Accommodations in Tokyo: Luxury – Hotel Ryumeikan Ochanomizu Honten This hotel has a 5-star rating based on 114 reviews on TripAdvisor. Founded in 1899, this hotel embodies Japanese tranquility with its simplistic décor. Walk a couple of blocks north to see the Kanda River or access the Ochanomizu train station. Budget – Tokyo Hotel Horidome Villa At $66 USD per night – and with a 4-star rating on TripAdvisor – this Tokyo hotel is a steal. Located in the trendy area of Ginza, this downtown hotel allows guests to experience the vitality of Japanese nightlife. Traditional-Style – Ito Ryokan Experience Japanese tradition and stay close to main tourist attractions like the Imperial Palace in this traditional Japanese inn. Planning to visit Tokyo? Explore our Tokyo City Guide. Top Accommodations in Sapporo: Luxury – Jozankei Tsuruga Resort Spa Mori no Uta This luxury hotel outside Sapporo is a true spa lover's dream. Discover traditional Japanese onsen and various spa treatments in this mountainous resort. Budget – Mercure Hotel Sapporo Get easy access to the many ski resorts in Sapporo at this mid-range hotel. Each room comes equipped with complimentary internet access – a steal for $100 USD/night. Traditional-Style – Suizantei Club Jozankei A bit on the pricier side, this traditional ryokan offers guests a luxury Japanese experience in the mountains of Hokkaido. Take a dip in the hotel onsen or enjoy the culinary delicacies included in your accommodation package. No wonder it has a 4.5-star rating on TripAdvisor! Visiting Sapporo? Explore our Sapporo City Guide. Top Accommodations in Kyoto: Luxury – Hotel Mume First-class service and beautiful rooms earned this luxury hotel 825 reviews and a 5-star rating on TripAdvisor. Hotel Mume also has a prime location close to several shrines and temples in Kyoto. Budget – Toyoko Inn Kyoto Gojo-Karasuma Only a three-minute walk from Gojo Station and the Karasuma subway line, this budget hotel offers easy access to downtown Kyoto. Rooms may be small at this chain hotel, but they’re packed with features ideal for budget travelers, including breakfast and free nationwide phone calls. Traditional-Style – Tawaraya Recognized as one of the best ryokan in all of Japan, this traditional inn located in downtown Kyoto understands the importance of details. Rooms are sparsely decorated in true Japanese fashion, each one has a private garden attached, and the staff is incredibly knowledgeable. Transportation Within Japan Japan is home to an impressive network of roads, railroad tracks, ferries, and air routes connecting the entire territory. To get between islands, you’ll most likely have to take a short flight or ferry. In-country flights are both readily available and frequent between the nation’s main cities. Key hubs include: Narita International Airport (NRT, Tokyo) Haneda Airport (HND, Tokyo) Kansai International Airport (KIX, Osaka) Chubu International Airport (NGO, Nagoya) Fukuoka Airport (FUK, Fukuoka) Japan is heralded for its extensive rail network. Purchase a Japan Rail Pass for easy travel throughout any of the four main islands. Its ease of use and availability are well worth the cost. What To See and Do in Japan Japan is a land of attractions – the country has endless amounts of historical sites, acres of pristine forests, and a variety of vibrant cities to explore. Here are some of the top tourist sites in Japan: Top Tourist Sites in Tokyo Imperial Palace: The main residence of the Emperor of Japan is located in central Tokyo, a short walk away from the city’s Central Station. Buildings are not open to the public, but the gardens make the visit a true delight. Tsukiji Outer Market: This large seafood and produce market has hundreds of colorful stalls and restaurants. It is closed on Wednesdays and Sundays. Tsukishima: This is a man-made island in Tokyo Bay. Travelers from all over the world come here searching for tsukudani - a kind of preserved topping that is served with rice - and monjayaki, a pancake-like dish that is popular in Japan. Shibuya: This popular entertainment area is packed with flashy neon signs, restaurants, and shops. It’s easily accessible through Shibuya Station. Meiji Jingu Shrine: Dedicated to Emperor Meiji and Empress Shōken, the Meiji Shrine sits in a 170-acre forest area in Shibuya. It is one of Tokyo’s most visited attractions. The shrine is in close proximity to Harajuku, Tokyo’s hotspot for youth and cosplay. Top Tourist Sites in Kyoto Imperial Palace: This palace is the former residence of Japan’s Imperial family. Visitors can freely enter the palace grounds, but buildings are off-limits. Railway Museum: Japan is a railway powerhouse, and this museum concentrates its history like no other. It’s well worth the ¥1,200 JPY ($7.57 USD in August 2024) price tag. Top Tourist Sites in Osaka Osaka Castle: One of the most iconic buildings in Japan, Osaka Castle is a towering structure evocative of a different era in Japanese history. Nijo Castle: Recognized as one of the surviving buildings of Japan’s feudal era, Nijo Castle features a number of perfectly conserved buildings and beautiful gardens. Visiting the castle is an immersive experience in to Japan’s history and a must-see for anyone visiting Osaka. Discover more things to see and do in Osaka with our Osaka City Guide! Top Tourist Sites in Hiroshima Hiroshima Peace Memorial Museum and Park: The park’s Atomic Bomb Dome was the only structure left standing following the atomic bombing in 1945. For many visitors to Japan, the museum and its grounds are powerful places for reflection. Miyajima Island: This island is home to the Itsukushima shrine, also referred to as the “floating shrine.” One of the largest torii (traditional Japanese gate) in Japan, the Itsukushima shrine is a relic of Shinto-era Japan. Read our Japan 14-day itinerary for even more help planning your first trip to Japan. Japanese Cuisine Japanese cuisine mainly consists of white rice, fish or beef, and vegetables often pickled or served in broth. Common dishes and preparations are sushi, udon noodles, miso soup, tempura, and grilled fish. In addition to traditional cuisine, Japan offers innovation and diversity in fast food, coffee, and craft beer. Western food is available, but usually at a higher price. Where To Eat in Japan You can find food in a variety of places in Japan. Of course, restaurants are popular – and world-class in Japan – but the nation is also known for the high-quality food available in convenience stores and vending machines. Sushi, ramen, and fast food options at small restaurants and street stalls start at $8 - $10 USD per serving, whereas nicer dinners are a bit pricier, starting at $20 - $25 USD. Read through Eater’s list of essential Tokyo restaurants for a full guide to popular restaurants in Tokyo. First-time visitors to supermarkets in Japan will notice it is much cheaper to purchase food at the market than to eat elsewhere, making Japan’s markets a great dining option for budget travelers. Fast food is also a great option for an inexpensive meal and an authentic culinary experience. In fact, fast food is other-worldly for any first-time visitor to Japan. The nation puts its own spin on typical fast-food chains like McDonald’s and Burger King, adding the Japanese flavor profile to American dishes. For example, McDonald’s Japanese menu heavily features shrimp, and classics like the Big Mac are elevated with the addition of bacon and egg. Burger King takes the sweet and savory approach, adding flame-grilled apple slices to the traditional Whopper Jr. Know Before You Go: Japanese History, Culture, and Traditions A large part of Japan’s cultural identity today is based on its history. On your first trip to Japan, you’ll find remnants and symbols of this country’s past in most of its historical sites. Japan’s history can be traced back to the year 660 BCE. During the course of the following centuries, the nation experienced periods of feudalism, expansionism, and war, each leaving its mark on the burgeoning country. Unification is a hallmark of Japanese society. During the Meiji Restoration in 1868, the government attempted to create a strong, centralized state with a singular national identity. Over the years, the cherry blossom, Japanese flag/rising sun, and Chrysanthemum flower have become powerful representations of Japanese identity. Following the bombings of Hiroshima and Nagasaki in 1945, Japanese culture changed. Economic growth and social stability became national priorities, resulting in a modernized society where ordinary people can experience middle-class urban lifestyles. In the 1980s Japan experienced unprecedented prosperity, catapulting it to superpower status. In modern-day Japanese culture, local and regional identity is celebrated. Almost every town or city is famous for something, like a specific craft, culinary specialty, or song. Discover More Japan Travel Content from WorldTrips Travel Health Insurance for Japan Japan Travel Visa: What You Need to Know Traveling Japan Alone How to Cheaply Travel Japan Explore Japan City Guides from WorldTrips Fukuoka City Guide Nagoya City Guide Osaka City Guide Sapporo City Guide Tokyo City Guide Yokohama City Guide KHE2FFFYH6SP-971744701-1283 WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips 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.
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What Is the Accidental Death Benefit in Travel Health Insurance?
An Accidental Death and Dismemberment (AD&D) benefit in travel health insurance is exactly what its name suggests: a benefit that provides coverage in case of your accidental death or dismemberment while traveling abroad. But what situations qualify for coverage? What scenarios are excluded? Read on to discover exactly what an AD&D benefit covers and why you may need one. What Is AD&D in Travel Health Insurance? The Accidental Death and Dismemberment (AD&D) benefit in travel health insurance pays money to you or your beneficiary if you die, lose your sight, or lose a limb due to an accident while traveling abroad. There are stipulations, of course. We’ll get into those details below. What Does AD&D Cover? AD&D insurance provides reimbursement in situations where a covered accident causes your immediate death or dismemberment, or where an accident causes a covered injury that later results in your death or dismemberment. Examples of situations where your AD&D benefit could cover you include a car accident, boating accident, or injury from a fall. Most AD&D Benefits Pay: The full amount outlined in your policy documents to your beneficiary if a covered accident or injury causes your death A portion of the full amount (often half) to you if you are dismembered in a covered accident that causes you to lose one limb or sight in one eye The full amount to you if you are dismembered in a covered accident that causes you to lose two or more limbs or sight in both eyes Your Beneficiary Will Only Be Eligible to Receive Your Accidental Death Benefit If the Following Is True: You die within a certain number of days of the initial accident that causes your deadly injuries (typically 30 days) Illness or disease do not contribute to your death The accident that causes your death doesn’t happen while you’re a paying passenger on a commercial airline or cruise line (Common Carrier Accident is typically a separate benefit – more on that later) The accident that causes your death is not the result of a situation or condition specifically listed in your policy exclusions Many travel health insurance policies, such as the Atlas Travel® plan from WorldTrips include an Accidental Death and Dismemberment (AD&D) benefit. You can find the benefit and its coverage limits on the policy documents for any policy you’re considering. You may also find it on the main webpage for the policy. What Are Policy Documents? The policy documents provide the full benefits and exclusions of an insurance plan and explain its claims process. You can typically find a link to these documents on the main webpage for the policy or on the quote form where you provide your trip information and learn how much your policy would cost. (Note that you will receive these documents along with your other fulfillment documents after you purchase a policy as well.) See a sample Description of Coverage for our Atlas Travel insurance policy. Important Definitions You Should Know Accidental Death: This generally refers to a situation where external means cause a sudden, unintentional, and unexpected occurrence that results in your death. Remember: Death must occur within a certain number of days following your injury. (For Atlas Travel, this period is 30 days.) Illness or disease may not contribute to your death. Accidental Dismemberment: This typically means a situation where external means cause a sudden, unintentional, and unexpected occurrence that results in either: Complete severance of one or more of your limbs OR Complete and irreversible loss of sight in one or both of your eyes Loss of Limb: This refers to either: Complete severance of your arm from your body at or above your wrist OR Complete severance of your leg from your body at or above your ankle Loss of Eye: This refers to complete and permanent loss of sight. PRO TIP: Consult the DOC for any policy you’re considering to see its specific and complete benefits. What Is Excluded From Travel Health Insurance AD&D? To Recap: You will only be eligible for the AD&D benefit if your death or dismemberment (or the injury that causes your death or dismemberment) results directly from external and visible means. You are not eligible if illness or disease contributes to your death or dismemberment. Let’s Clarify This With an Example: Say you suffer an epileptic seizure while driving a rental car abroad. The seizure causes you to crash the car, resulting in severe internal and external injuries. Ten days later, you succumb to your injuries in the hospital. In this scenario, you would not be covered by your accidental death and dismemberment insurance, despite dying as a result of your car crash injuries. Why? Because your epilepsy caused you to crash. Epilepsy is a seizure disorder, and health disorders count as an illness. An illness is any sickness, disorder, pathology, abnormality, ailment, disease, or any other medical, physical, or health condition. Examples of Situations Where Your AD&D Benefit Would NOT Cover You There are certain *situations and conditions that could result in your accidental death or dismemberment which would not be covered under your AD&D benefit. Examples of such situations include: Infection (except through a wound caused by an accident) Intoxication (as defined by local laws where the accident occurred) Mental health disorder Participation in a riot Pregnancy Suicide or self-inflicted injury Terrorism Voluntary drug use (except for drugs prescribed by a physician) War *Benefits and exclusions vary from policy to policy, so read all of your policy documents. Review the AD&D section thoroughly and make sure you understand all of the policy’s exclusions. PRO TIP! If you have questions about the policy considering, contact the insurance company directly. They can help you understand the policy's exclusions and verify its benefits. Do I Need Accidental Death and Dismemberment Coverage? We know it’s uncomfortable to think about what would happen if you were to become seriously injured or even pass away during a trip abroad. But it’s important that you take a second to consider the potential consequences of traveling abroad while uninsured. Who would pay for the resulting expenses in the case of your accidental death? Would you be able to afford the medical expenses resulting from your dismemberment or loss of sight? We believe that all travelers should expect the best but prepare for the worst. That’s why our Atlas Travel insurance policy includes up to $25,000 for a covered death or loss of 2 limbs and up to $12,500 for the covered loss of one limb (for ages 18 through 69). Atlas Travel offers AD&D coverage to individuals under age 18 and those over age 69 as well. You can see those benefit limits here. Does the AD&D Benefit in Travel Health Insurance Cover Repatriation? The Accidental Death and Dismemberment benefit included in most travel health insurance policies does not cover the cost of returning your body or ashes to your home country for proper burial or cremation. Instead, you’ll want a policy that also includes a separate benefit called Repatriation of Remains. The Repatriation of Remains benefit pays to transport your body by plane or ground transportation to your home country if your insurance covers the injury or illness that caused your death. This benefit also covers the cost of preparing your body for transport. Repatriation can cost several thousand dollars, and your family may already have to prepare and pay for funeral arrangements in their time of grief. Your travel health insurance company can coordinate travel arrangements for your covered repatriation, as well as pay all eligible expenses, which may be of support to your family as they grieve. Here’s a true customer story of Atlas Travel’s Repatriation of Remains benefit in action: Real-Life Example: Repatriation of Remains After a Tragic Accident in Thailand Thailand -> United Kingdom = $5,323 A 21-year-old British citizen teaching in Thailand was struck by traffic and died later that day. WorldTrips worked with his parents, the local hospital, and government officials to arrange for the care, preparation, and return of his remains to his home country. The traveler’s Atlas Travel policy paid $5,323 to cover the cost of bringing his body home to his family so they could have a burial for their loved one. Review the policy documents for any plan you’re considering to see if it includes AD&D coverage and a Repatriation of Remains benefit before you purchase. Does Travel Health Insurance Include Flight Accident AD&D? Many travel health insurance policies, like Atlas Travel, include accidental death flight insurance, or flight accident AD&D, in the form of a benefit called Common Carrier Accidental Death. What Does Common Carrier Accidental Death Mean? Similar to the AD&D benefit, Common Carrier Accidental Death covers international travelers who experience an unintentional and unexpected accident or injury that causes their death. Death must occur within a certain number of days following the accident or injury and previous injuries or illnesses may not contribute to it. Unlike AD&D, Common Carrier Accidental Death covers passengers who are aboard a commercial airline or cruise line. PRO TIP: When comparing travel health insurance policies, look to see if the policies you’re considering offer both AD&D coverage and Common Carrier Accidental Death coverage. Get Coverage for You and Your Loved Ones After a Covered Worse-Case Scenario It’s hard to think about how you or your family members would cope if you were to face an unexpected worst-case scenario while traveling abroad. Travel health insurance can’t protect you against accidents, but it can help protect you and your loved ones against some of the expenses that could result from your covered, accidental death or dismemberment during your trip. That’s why our Atlas Travel health insurance plan includes important benefits like: Accidental Death & Dismemberment – Up to $25,000 to your beneficiary in case of your accidental death or dismemberment (ages 18 – 69) Repatriation of Remains or Local Burial/Cremation – Up to your policy’s overall maximum limit for the cost of returning your body to your home country OR up to $5,000 toward the cost of burying or cremating your body in the country of your death (ages 18 – 69) Common Carrier Accidental Death – Up to $50,000 to your beneficiary if you die as the result of an accident while onboard a commercial airline or cruise line (ages 18 – 69) Travel health insurance can be easy to purchase and budget friendly. Atlas Travel policies start at $0.50* per day for travel outside the U.S. or $0.96 per day for travel including the U.S. *Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age group (14 days - 29 years) who is traveling outside the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000). **Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age group (14 days - 29 years) who is traveling to the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000). Your plan cost will vary depending on: the level of coverage you choose the deductible you choose your age your destination your trip length In addition to choosing your overall coverage limit and deductible, you can select from several add-ons during the checkout process to further customize your policy to your needs and budget. Pro Tip! Start an Atlas Travel quote to see what the price would be for your trip. Atlas Travel’s Accidental Death & Dismemberment Benefit Atlas Travel pays eligible AD&D expenses according to your age group. For each age group, the benefit limit specifies: the amount it will pay out for a covered death or loss of two eyes or limbs the amount it will pay out for the covered loss of one eye or limb The benefit also includes a lifetime maximum amount. This is the maximum amount Atlas Travel will pay toward your covered accidental death or dismemberment expenses during your lifetime. Accidental Death & Dismemberment Excludes expenses resulting from Common Carrier Accident Age Group Benefit Limit 14 Days — 17 Years Old Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb Lifetime Maximum: $5,000 18 — 69 Years Old Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 Lifetime Maximum: $25,000 70 — 74 Years Old Death - $12,500 Loss of 2 Limbs - $12,500 Loss of 1 Limb - $6,250 Lifetime Maximum - $12,5000 75 Years Old or Older Death - $6,250 Loss of 2 Limbs - $6,250 Loss of 1 Limb - $3,125 Lifetime Maximum - $6,250 $250,000 maximum benefit for any one family or group. This benefit is not subject to the policy’s deductible or overall maximum limit. KHE2FFFYH6SP-971744701-1284 WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips 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.
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