What Is Adventure Travel Medical Insurance?

Here are three reasons to consider adventure travel medical insurance that travels with you as you explore the world:

1. No matter the destination you choose or the activities you plan, there’s always a chance you could face an unexpected illness or injury. Certain adventure travel activities can increase your risk of facing illnesses and injuries resulting from acute mountain sickness, decompression illness, equipment failure, falls, and wildlife attacks. Adventure travel medical insurance can provide coverage for eligible medical expenses resulting from hospitalizations, surgery, emergency medical evacuation, and more.
   
   
2. Your regular health insurance may not cover you outside of your home country. That’s why the U.S. Department of State recommends that you “ask your medical insurance company if your policy applies overseas – and if it covers emergency expenses such as medical evacuation.” If it doesn’t, adventure travel medical insurance can provide the international coverage you need.
   
   
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. Our Atlas Travel plan meets the requirements of many visas, including Europe’s Schengen visa. Atlas Travel also provides policyholders a visa letter you can use to help prove your ability to pay for unexpected medical expenses.

Like all travel medical insurance policies, Atlas Travel excludes certain scenarios and expenses from coverage. Visit our International Travel Medical Insurance page for an overview of the plan’s general exclusions or review the Atlas Travel Description of Coverage for a full list.

Exclusions Related to Adventure Sports and Activities

Atlas Travel insurance will not cover sports and activities if the following apply:

• The sport/activity is organized and involves regular or scheduled practice or games
• The sport/activity is performed professionally or for any wage, reward, or profit
• The activity involves exploring remote or inaccessible areas, exploratory expeditions, or new routes or activities
• Expenses result from a *pre-existing condition
• Expenses result directly or indirectly from anything listed in the general exclusions

Excluded Extreme Sports

Certain extreme sports and activities are excluded from coverage. Here are some of the more asked-about exclusions:

• American football
• Hang-gliding
• Motorized dirt bikes
• Parachuting, paragliding, & parasailing
• Snowmobiles
• Spelunking
• Whitewater rafting

Review the "Sports and Activities” section of the Atlas Travel Description of Coverage for a full list of excluded sports and activities.

*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.