Missionary Insurance plans for short term missions

For travel outside of America

The Atlas Series for missionary travel medical insurance is available to you if you are at least 14 days old and traveling outside of your home country. If you are a US citizen, your home country is always the United States, regardless of the location of your principal residence. If you are not a US citizen, home country is the country where you principally reside and receive regular mail.

Enter only individuals who will be traveling. It is not necessary to enter family members who will not be traveling. The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

Coverage Area
If you are a non-U.S. citizen and non-U.S. resident and any part of your travel includes the U.S., you must answer “Worldwide, including the U.S.” to this question.

U.S. Territories
Major U.S. territories include Puerto Rico and the U.S. Virgin Islands. You may answer “Worldwide, excluding the U.S.” to this question for travel that includes Guam, American Samoa, and Northern Mariana Islands.

Layovers
If you are a U.S. citizen or U.S resident with a layover in the U.S. prior to your departure from the U.S., your coverage will begin when you depart the U.S. You should answer “Worldwide, excluding the U.S.” to this question. If you are a non-U.S. citizen or non-U.S. resident and your travel will include a layover in the U.S., you should answer “Worldwide, including the U.S.” to this Question.

Incidental Trips Home
For each three (3) months during which a Member is covered hereunder, medical expenses are only covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Members home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling. U.S. citizens whose travel will include an incidental trip to the U.S. may answer “Worldwide, excluding the U.S.” to this question.

For non-U.S. citizens traveling to the USA

The Atlas Series for missionary travel medical insurance is available to you if you are at least 14 days old and traveling outside of your home country. If you are a US citizen, your home country is always the United States, regardless of the location of your principal residence. If you are not a US citizen, home country is the country where you principally reside and receive regular mail.

Enter only individuals who will be traveling. It is not necessary to enter family members who will not be traveling. The Atlas Series is not available to individuals who are physically located in the countries of Canada or Australia at time of purchase.

Coverage Area
If you are a non-U.S. citizen and non-U.S. resident and any part of your travel includes the U.S., you must answer “Worldwide, including the U.S.” to this question.

U.S. Territories
Major U.S. territories include Puerto Rico and the U.S. Virgin Islands. You may answer “Worldwide, excluding the U.S.” to this question for travel that includes Guam, American Samoa, and Northern Mariana Islands.

Layovers
If you are a U.S. citizen or U.S resident with a layover in the U.S. prior to your departure from the U.S., your coverage will begin when you depart the U.S. You should answer “Worldwide, excluding the U.S.” to this question. If you are a non-U.S. citizen or non-U.S. resident and your travel will include a layover in the U.S., you should answer “Worldwide, including the U.S.” to this Question.

Incidental Trips Home
For each three (3) months during which a Member is covered hereunder, medical expenses are only covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Members home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling. U.S. citizens whose travel will include an incidental trip to the U.S. may answer “Worldwide, excluding the U.S.” to this question.

Deductibles (The amount you choose to pay before insurance coverage begins)
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.

Overall Maximum Limit:
$50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.
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 $2,000,000.
• If you are age 70 to 79, the Overall Maximum Limit available is $100,000.
• If you are age 80 or older, the Overall Maximum Limit available is $10,000.

Coinsurance – Claims Incurred in U.S. In-Network Payment Within the PPO:
We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary.
You may be responsible for any charges exceeding the payable amount.

Coinsurance – Claims Incurred Outside U.S.: 
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Terrorism
In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, and the country or region you’re visiting is NOT under a level 3 or level 4 travel advisory, Atlas Travel offers coverage for eligible medical expenses resulting from those acts.

Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 (“reconsider travel”) or level 4 (“do not travel”) advisory.

Crisis Response
Atlas Travel offers up to $10,000 (or up to $100,000 if additional coverage is selected) to offset costs associated with kidnapping, such as ransom, crisis response expenses, and loss of personal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and negotiations during a kidnapping.

Political Evacuation
If, during the coverage period and after your arrival, the United States government issues a level 3 or level 4 travel advisory for your destination country, Atlas Travel will coordinate your alternate departure arrangements from that country and cover eligible associated costs.

Optional Crisis Response Benefit Rider

This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000.

Optional Personal Liability Benefit Rider

This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000.

Optional Accidental Death & Dismemberment Benefit Rider

This rider, available to Members age 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.

Similar to a life insurance policy, 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.

As Atlas Travel provides $50,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $100,000.

Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion.

Tokio Marine HCC holds a financial strength rating of AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company.

Tokio Marine HCC – MIS Group, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance designed to meet needs of consumers worldwide. Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies, and individuals acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, as many of our nearly 2,500 employees are industry-leading experts.