Atlas Premium provides the highest coverage limits
of all the plans in the Atlas Series. You can build your premium plan by choosing your deductible, coverage length, and overall maximum coverage. You'll receive built-in higher coverage for several key benefits that are offered as buy-ups in other plans.
Atlas
Premium®
Insurance
Travel Medical Insurance for Travelers Seeking
Higher Coverage Limits
When international travel poses medical and financial risk, Atlas Premium insurance is there.
Atlas Premium provides the same benefits as our popular Atlas Travel plan but includes higher coverage limits for many important benefits. It offers coverage for unexpected medical expenses - including COVID-19-related expenses - and an Emergency Medical Evacuation benefit.
This customizable plan also allows you to choose your deductible, coverage length, and overall coverage maximum.
Atlas Premium Is Designed for:
- Parents looking to purchase insurance with higher coverage limits for their children and themselves
- Tourists, vacationers, and adventure travelers seeking higher coverage limits for shorter trips
- The business and travel elite interested in purchasing a premium Atlas plan
Travel Medical
Insurance Benefits
-
Atlas Premium
Insurance -
Policy
Documentation -
Insurance
Exclusions
Highlights
- Up to $2,000,000 of Overall Maximum Coverage
- Up to $1,000,000 for Emergency Medical Evacuation
- Up to $15,000 for Trip Interruption
- Up to $100,000 for Personal Liability
- 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 or Illness
Age 80 or older: $20,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Overall Maximum Limit
Age 80 or older: $20,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000
Coinsurance
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligible expenses are subject to deductible, 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 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
- 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
Outpatient Physical Therapy and Chiropractic Care
Up to $50 maximum per day; must be ordered in advance by a physician.
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
Emergency Dental (acute onset of pain)
Up to $300 - not subject to deductible
Emergency Eye Exam for a Covered Loss
Up to $150; $50 deductible per occurrence (plan deductible is waived).
*Acute Onset of Pre-existing Condition
(excludes chronic and congenital conditions) (only available to members under age 80)
Up to the overall maximum limit
$25,000 lifetime maximum for Emergency Medical Evacuation
All Other Eligible Medical Expenses
Up to the overall maximum limit
Emergency Travel Benefits
Limit
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum, except as provided under *Acute onset of pre-existing Condition
- not subject to deductible or overall maximum limit
Repatriation of Remains
Equal to the elected overall maximum limit
- not subject to deductible or coinsurance
This limit is for this benefit only and is not included in or subject to the overall maximum limit.
Local Burial or Cremation
Up to $5,000 lifetime maximum - not subject to deductible
Accidental Death and Dismemberment
(excludes loss due to Common Carrier Accident)
Under age 18
Ages 18 through 69
Ages 70 through 74
Ages 75 and older
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Lifetime maximum: $100,000
Death: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
$250,000 maximum benefit any one family or group
- not subject to deductible or overall maximum limit
Common Carrier Accidental Death
Under age 18
Ages 18 through 69
Ages 70 through 74
Ages 75 and older
$10,000
$100,000
$25,000
$12,500
Subject to a maximum of $250,000 any one family or group.
- not subject to deductible or overall maximum limit
Crisis Response - Ransom,
Personal Belongings, and Crisis Response Fees and Expenses, and Natural Disaster Evacuation
Up to $100,000 per certificate period, with $10,00 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
Emergency Reunion
Up to $150,000, subject to a maximum of 15 days - not subject to deductible
Bedside Visit
Up to $1,500 - not subject to deductible
Return of Minor Children
Up to $50,000 - not subject to deductible
Pet Return
Up to $1,000 - not subject to deductible
Political Evacuation
Up to $150,000 lifetime maximum - not subject to deductible
Trip Interruption
Up to $15,000 - not subject to deductible
Lost Checked Luggage
Up to $2,000 - not subject to deductible
Lost or Stolen Passport/Travel Visa
Up to $100 - not subject to deductible
Travel Delay
Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
- not subject to deductible
Natural Disaster -
Replacement Accommodations
Up to $500 a day for 5 days - not subject to a deductible
Hospital Indemnity
Up to $100 a day after
Personal Liability
Up to:
$100,000 lifetime maximum
$100,000 third person injury
$100,000 third person property
$2,500 related third person property
-not subject to deductible or overall maximum limit
Border Entry Protection
Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
*The acute onset of a pre-existing condition is 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 recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually worsen over time are excluded from coverage.
Certain types of medical expenses are excluded from coverage under Atlas Premium insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
- Charges resulting directly or indirectly from any *pre-existing condition, except as covered under the **Acute Onset of Pre-Existing Condition benefit
- 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
**The acute onset of a pre-existing condition is 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 recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually worsen over time are excluded from coverage.
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 Premium 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.