For international travel, Atlas Travel insurance provides customizable coverage for travelers looking to cover specific needs while 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. An Atlas 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.
|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
Age 80 or older: $10,000
All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000
|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 80% 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||$200 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury.|
|Intensive Care Unit||Usual, reasonable and customary charges|
|Physical Therapy and Chiropractic Care||$50 maximum per day. Must be ordered in advance by a physician.|
|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|
|Accidental Death and Dismemberment (AD&D)||
Excludes loss due to common carrier accident
Optional Accidental Death & Dismemberment buy-up of $50,000 to Lifetime Maximum of $100,000.
|Common Carrier Accidental Death||
Per member; subject to a maximum of $250,000 any one family or group:
|Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses||$10,000 maximum per certificate period. Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.|
|Emergency Reunion||$50,000 per certificate period, subject to a maximum of 15 days|
|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||$10,000 lifetime maximum|
|Trip Interruption||$5,000 per certificate period|
|Lost Checked Luggage||$500 per certificate period|
|Travel Delay||Maximum $100/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 – Replacement Accommodations||Maximum $100/day for 5 days. Optional Personal Liability buy-up of $90,000 to Lifetime Maximum of $100,000.|
|Hospital Indemnity||$100 per day of inpatient hospitalization|
|Personal Liability||$10,000 lifetime maximum|
Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Refer to 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:
Atlas Travel will cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury began while the certificate was still in effect and treatment began while the member was outside their home country.
Incidental Home Country Coverage
For individuals with the 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 3 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.
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.
You may submit a written cancellation request to Tokio Marine HCC – MIS Group prior to the effective date of coverage for a full refund. If Tokio Marine HCC – MIS Group receives the cancellation request following the effective date of coverage, only the unused portion of premium will be refunded. A $25 cancellation fee will apply. No refund will be issued for policies that have submitted claims.
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. 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.