Question: Does the Atlas International policy have incidental home country coverage in the U.S. for U.S. Citizens/U.S. residents?
Answer: Yes, it does. Here is some additional information:
- Deductible and coinsurance in the U.S.
- Yes, you will need to meet your deductible before Atlas’ coverage begins.
- There is a coinsurance you will have to meet. It is shown on the brochure (click on link above) button and please go to the Home Country Coverage area. You will have a coinsurance of $1000.
- Thus you have a total expense of $1500, worse case situation.
- Medical coverage while in the U.S.
- Atlas’ coverage in the U.S. does not cover pre-existing medical conditions.
- It will not cover any illness or injury that occurred while living overseas.
- Atlas provides “Home Country” coverage for 15 days within each three month period during the life of your policy. These 15 days do not add up every 3 months if you do not use them. If you don’t use the 15 days in that 3 months you loose them. However, please note that it is for incidental (not planned) U.S. home coverage. For example, a death in the family and you needed to go to the funeral.
- This coverage is for incidental illnesses and/or injuries that occur during that 15 day visit.
- An example would be if you have the misfortune of being in a car accident during your stay in the U.S. and you break a leg.
- Atlas’ coverage for such an event will extend to 90 days from the date the event happened even if you are here over 15 days.
- Please click on the brochure at https://www.gninsurance.com/atlas-international-medical-insurance-policy/ to read the most up-to-date information or call one of our international travel insurance specialist at 480-866-636-9100.
Question: What added benefits to the Atlas International policy have come into effect since April 2015?
Answer: As of April 1, 2015, the following benefits have been added/extended –
- For under age 70, coverage for sudden and unexpected onset of pre-existing condition to the policy limit selected
- Emergency Medical Evacuation benefit increased from $500,000 to $1,000,000
- Acute onset of pre-existing conditions benefit increased to match medical coverage maximum for $200,000, $500,000 and $1,000,000 maximum
- New Trip Delay benefit added ($100 per day for up to 2 days when 12-hour delay results in unplanned overnight stay)
- New Pet Return benefit added (up to $1,000 to return pet home if member hospitalized)
- Lost Checked Luggage benefit increased to $500
- New Bedside Visit benefit added (up to $1,500 for economy ticket to enable family member to visit if member admitted to ICU)
- Eligibility definition expanded for Trip Interruption benefit (includes death of grandchild)
Answer: As of 2018 –
- If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 to 79, you may select your Overall Maximum Limit, ranging from $50,000 to $250,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000.