Atlas Essential Insurance

For budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.

Designed for:

  • Travelers on a budget
  • Travelers buying for several people
  • Healthy individuals with few concerns
  • Individuals traveling on a J-1 Visa

Why do I need travel medical insurance?

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 and a trip with access to quality care and financial help if the unexpected strikes.

Compare other Atlas Travel medical insurance plans.

Atlas Essential: Schedule of Benefits and Limits

Plan Details

Overall Maximum Limit

Age 80 or older: $10,000

Age 70 to 79: $50,000, $100,000

All others: $50,000, $100,000, $200,000, $500,000, or $1,000,000

Maximum Per Injury/Illness

Age 80 or older: $10,000 

Age 70 to 79: $50,000, $100,000

All others: $50,000, $100,000, $200,000, $500,000, or $1,000,000

Deductibles

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

Coinsurance

 

     In-Network

     Payment

Within the PPO: We will pay 75% 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.

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

Benefit Limit

Hospital Room & Board

Average semi-private room rate, including nursing services.

Intensive Care Unit

Up to the overall maximum limit.

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. 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.
Urgent Care Center – claims incurred in U.S.

For each visit, you shall be responsible for a $50 co-payment, after which coinsurance will apply.

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

– not subject to deductible

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

Emergency Travel Benefit Limit

Emergency Medical Evacuation

Up to $500,000 lifetime maximum.
not subject to deductible or coinsurance

Repatriation of Remains

Up to $25,000 lifetime maximum.
not subject to deductible or coinsurance

Local Burial or Cremation

Up to $5,000 lifetime maximum.
not subject to deductible or coinsurance

Exclusions

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

  • Pre-existing conditions* — charges resulting directly or indirectly from any pre-existing condition, as herein defined, are excluded from this insurance unless it is a sudden and unexpected outbreak or recurrence that is of short duration and requires urgent care
  • Routine medical examinations
  • Routine pre-natal care, pregnancy, child birth, and post-natal care
  • Medical expenses for injury or illness resulting from participation in 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) within 2 years prior to your effective date of coverage, whether or not it was known to you

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. 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.