For the travel elite, Atlas Premium travel insurance provides exceptional, quality coverage as you travel abroad.
International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. A travel medical insurance plan can be the difference between a trip ruined by unexpected illness or injury, versus a trip with access to quality care and financial help if the unexpected strikes. Compare all Atlas Travel medical insurance plans.
|Deductibles||$0, $100, $250, $500, $1,000 or $2,500 per certificate period|
|Maximum Coverage per Injury or Illness||
Age 70 to 79: $50,000 or $100,000
|Maximum Coverage per Certificate Period||
(Excludes Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability and Crisis Response)
Age 70 to 79: $50,000 or $100,000
|Coinsurance – Claims Incurred in U.S. or Canada||For the certificate period, underwriters will pay 90% of next $5,000 of eligible expenses after the deductible, then 100% to maximum coverage limit|
|Coinsurance – Claims Incurred Outside U.S. or Canada||For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the maximum coverage limit|
|Hospital Room and Board||Average semi-private room rate, including nursing services|
|Local Ambulance||Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient|
|Emergency Room Co-Payment—Claims incurred in U.S. or Canada||Member is responsible for $200 co-payment for each use of the emergency room for an illness, unless admitted to the hospital. No co-payment for emergency room treatment of an injury.|
|Intensive Care Unit||Usual, reasonable, and customary charges|
|Physical Therapy||$50 maximum per day|
|Urgent Care Center—Claims incurred in U.S. or Canada||
(Not subject to deductible)
Member responsible for $50 co-payment/visit, after which coinsurance will apply.
|Terrorism||$50,000 maximum lifetime limit, eligible medical expenses only|
|All Other Eligible Medical Expenses||Usual, reasonable, and customary charges|
|Emergency Medical Evacuation||$1,000,000 lifetime maximum|
|Repatriation of Remains||Overall maximum limit|
|Local Burial or Cremation||$5,000 lifetime maximum|
|Common Carrier Accidental Death||
(Per member; subject to a maximum of $250,000 any one family or group)
Members age 18—69: $50,000
Members age 70—74: $12,500
Members age 75 and older: $6,250
|Emergency Reunion||$50,000 per certificate period, subject to a maximum of 15 days|
|Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses||$100,000 maximum per certificate period|
|Bedside Visit||$1,500 per certificate period|
|Return of Minor Children||$50,000 per certificate period|
|Pet Return||$1,000 per certificate period|
|Political Evacuation||$25,000 lifetime maximum|
|Trip Interruption||$10,000 per certificate period|
|Lost Checked Luggage||$1,000 per certificate period|
|Travel Delay||Maximum $200/day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.|
|Emergency Dental (acute onset of pain)||$250 per certificate period|
|Natural Disaster||Maximum $250/day for 5 days|
|Hospital Indemnity||$100 per day of inpatient hospitalization|
|Personal Liability||$100,000 lifetime maximum|
Certain types of medical expenses are excluded from coverage under Atlas Premium insurance. Some exclusions are listed here. Refer the Description of Coverage for the complete list of exclusions.
Atlas Travel does offer medical expense coverage in your home country in the following situations:
For non-U.S. citizens or residents whose travel does not include the U.S. or U.S. territories, the maximum coverage duration is 365 days. Additionally, coverage may be renewed up to 2 additional coverage periods. Coverage renewal requires satisfaction of a new deductible and coinsurance. Renewals may be filed through the Client Zone.For all other travelers, the maximum duration is 364 days, and coverage is not renewable.
Your Atlas Travel insurance coverage becomes effective on the latest of:
Your coverage will end on the earliest of:
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 364 days of continuous coverage you may renew your coverage for up to two additional coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.
Extensions or renewals must be made online in the Client Zone with payment by credit card.
Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:
Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.