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Atlas
Essential®
Insurance


Basic Travel Medical Insurance for

International Travelers

When international travel poses medical and financial risk, Atlas Essential insurance is there. Customize your Atlas Essential plan by choosing your deductible, coverage length, and overall coverage maximum.

Atlas Essential Is Designed for Global Travelers Seeking:

  • Fewer benefits and lower coverage limits in exchange for a lower premium
  • Coverage for unexpected medical expenses, including COVID-19-related expenses
  • Emergency Medical Evacuation benefit

Travel Medical

Insurance Benefits

  • Atlas Essential®
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

Atlas Essential provides you with emergency medical coverage as you travel abroad. You can build your plan by choosing your deductible, coverage length, and overall maximum coverage.

Highlights:

  • Up to $1,000,000 of Overall Maximum Coverage
  • Up to $500,000 for Emergency Medical Evacuation
  • Up to $50,000 for Terrorism Coverage
  • Up to $25,000 for Repatriation of Remains
  • Includes medical coverage for eligible expenses related to COVID-19
Plan Details

Deductibles

$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period


Maximum Per Injury / Illness

Age 80 or older : $10,000 

Age 65 to 79: $50,000 or $100,000

All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000


Overall Maximum Limit

Age 80 or older$10,000
Age 65
 to 79: $50,000 or $100,000

All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000


Coinsurance

In-network payment within the PPO

We will pay 75% of eligible expenses after the deductible up to the overall maximum limit


Out-of-network payment outside the PPO

You may be responsible for any charges exceeding the payable amount


Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Benefit
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 the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital 
There will be no co-payment for emergency room treatment of an injury

Claims incurred outside the U.S.
No co-payment


Urgent Care Center Co-Payment

Claims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment, after which coinsurance will apply

- co-payment is waived for members with a $0 deductible

- not subject to deductible

Claims incurred outside the U.S.
No co-payment


Intensive Care Unit

Up to the overall maximum limit


Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only


All Other Eligible Medical Expenses

Up to the overall maximum limit 

Emergency Travel Benefits
Limit

Emergency Medical Evacuation

Up to $500,000 lifetime maximum

- not subject to deductible, coinsurance, or overall maximum limit


Repatriation of Remains

Up to $25,000 lifetime maximum

- not subject to deductible, coinsurance, or overall maximum limit


Local Burial or Cremation

Up to $5,000 lifetime maximum - not subject to deductible

Certain types of medical expenses are excluded from coverage under Atlas Essential insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.

  • Charges resulting directly or indirectly from any *pre-existing condition
  • Routine medical examinations
  • Routine pre-natal care, pregnancy, child birth, and post-natal care
  • Mental health disorders
  • Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports).

*A pre-existing condition is any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you


coastal Mediterranean town

Why Do I Need

Travel Medical Insurance?

International travel can represent financial risk. No matter your destination, there's always a chance you could experience an unanticipated health or travel emergency. 

Many regular health insurance plans provided limited coverage outside your home country, while others provide none. Atlas Essential insurance can provide access to quality healthcare, travel assistance, and financial help if the unexpected strikes.

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd's.  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 HCC Underwriting Agency Ltd.