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/travel/supplemental/atlas-international to read the most up-to-date information or call one of our international travel insurance specialist at 480-813-9100.
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.
Question: Does the Atlas International plan cover pre-existing medical condition(s)?
Answer: The Atlas International international medical plan only cover acute onset of pre-existing medical condition(s) up to $20,000 lifetime maximum for eligible medical expenses and up to $25,000 lifetime maximum for emergency evacuation. This acute onset coverage is only applied for member who is under 70 years of age.
Acute Onset of Pre-existing Condition: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Question: Does the Atlas International plan, cover individuals competing in professional and any type of scholastic competition?
Question: I am going to be competing in an amateur paragliding competition in which winners are rewarded by trophy, ribbon, or an award. Will the Atlas International plan cover me?
- As long as the sport is not part of a team, competition, for wage or profit – it will be covered.
- Injury resulting from participation in intercollegiate, intercollegiate, interscholastic ,or interscholastic sports or athletic activities and Professional Sports are not covered.
Question: Real life example from one of our clients: Paragliding competition I am involved in is not a scholastic or professional sport. Will I be covered?
Answer: You are correct that the paragliding competition you are involved in is not a scholastic or professional activity. Even though the paragliding is classified as an adventure / hazardous sport it will be covered as long as the above guidelines, including the brochure, are followed.