Atlas International Travel Medical Insurance Policy

If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage.

• You may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000 if you are under age 70.
• 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.

Benefits:

• Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
• Intensive Care Unit Up to the overall maximum limit.
• For under age 80, acute onset of pre-existing condition are covered to policy maximum.
• Travelers to USA – $15 co-pay for Urgent Care visits, includes walk-in clinics.
• Emergency Medical Evacuation benefit of $1,000,000 not subject to deductible, coinsurance, or overall maximum limit
• Acute onset of pre-existing conditions benefit increased to match medical coverage maximum excluding chronic or congenital conditions such as diabetes or asthma.
• Trip Delay benefit added ($100 per day for up to 2 days when 12-hour delay results in unplanned overnight stay)
• Pet Return benefit (up to $1,000 to return pet home if member hospitalized)
• Lost Checked Luggage benefit $500
• Bedside Visit benefit added (up to $1,500 for economy ticket to enable family member to visit if member admitted to ICU)
• $10,000 in personal liability insurance while traveling included in base policy, upgradeable to $100,000
• $10,000 in Crisis Response coverage included in base policy, upgradeable to $100,000
• Political Evacuation benefit $100,000 (only if state department declares Level 3 or 4 after arrival)
• $10,000 in Accidental Death and Dismemberment included in base policy, upgradeable to $100,000
• There is also a natural disaster benefit
• Owned by Tokio Marine HCC, and reinsured by Lloyd’s of London

View sample certificate

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.

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.
Age 70 to 79 – $50,000, $100,000, or $250,000
Age 80 or older – $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.

• Hospital Room and Board
• Intensive Care
• Ambulance
• Outpatient Treatment
• Acute Onset of Pre-existing Conditions
• Emergency Dental
• Emergency Medical Evacuation
• Terrorism
• Return of Mortal Remains
• Accidental Death and Dismemberment
• Lost Checked Luggage
• Trip Interruption ($10,000 – death of immediate family member).
• While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses. Will pay up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness. This is while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
• Atlas Travel offers up to $10,000 of personal liability insurance while traveling to offset the following types of court-entered eligible judgments, or approved settlements, incurred by the member:
  Third-party injury
  – Damage/loss of a third party’s personal property
  – Damage/loss of a related third party’s personal property
  No Liability coverage while operating a motorized vehicle of any kind

• Natural Disaster Benefit

– Replacement Accommodations
Natural disasters can happen anywhere and at any time. If a natural disaster occurs while on your trip, causing you to become displaced from your accommodations, Atlas Group will provide relief of a maximum of $250 a day for 5 days to help cover the costs of alternative accommodations.

• Incidental Home Country Coverage – for longer stays
  For individuals with U.S. as home country. For every three-month period during which the Member is covered hereunder, medical expenses incurred in the U.S. are covered up to a maximum of 15 days.
  For individuals with a home country other than the U.S., for every three-month period during which the Member is covered hereunder, medical expenses incurred in the member’s home country are covered up to a maximum of 30 days. Any benefit accrued under a single three-month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.