Compare Atlas Travel Insurance

Atlas Travel Insurance

ATLAS TRAVEL®

Customizable travel medical insurance for single trips.

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What is Atlas Travel insurance?

Atlas Travel medical insurance is offered in two different plan levels to meet every international traveler’s specific needs. Whether you’re traveling for business or pleasure, there’s an Atlas plan with coverage that can be tailored to you.

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.

Which plan is best for me?

  • Atlas Travel provides customizable coverage for travelers looking to cover specific needs while abroad. Travelers can build an Atlas Travel plan with a balance between the basic essentials and more extensive coverage.

  • Atlas Premium provides exceptional, quality coverage for travelers interested in an elite package with higher coverage limits. A Premium plan may be ideal for shorter trips or individuals looking for more extensive coverage as they travel abroad.

Need more information before you decide?

Examine the charts below for a comparison of the two levels of Atlas insurance coverage.

Plan Details Atlas Travel Atlas Premium

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,$1,000,000 or $2,000,000

Age 80 or older: $20,000

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

All others: $50,000, $100,000, $200,000, $500,000,$1,000,000 or $2,000,000

Maximum Per Injury/Illness

Age 80 or older: $10,000

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

All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000

Age 80 or older: $20,000

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

All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000

Deductibles

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

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

Coinsurance – Claims Incurred in U.S.

Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Coinsurance – Claims Incurred Outside U.S.

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

 

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

Benefit Atlas Travel Limit Atlas Premium Limit

Local Ambulance

Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.

Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. 

Intensive Care Unit

Up to the overall maximum limit.

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.

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.

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

Emergency Dental (Acute Onset of Pain)

Up to $250.
not subject to deductible or coinsurance

Up to $250.
not subject to deductible or coinsurance

All Other Eligible Medical Expenses

 Up to the overall maximum limit.

 Up to the overall maximum limit.

 

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Emergency Travel Benefits

Emergency Travel Benefits Atlas Travel Limit Atlas Premium 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, coinsurance, or overall maximum limit

Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition.

not subject to deductible, coinsurance, or overall maximum limit

Repatriation of Remains

Up to the overall maximum limit.

not subject to deductible or coinsurance

Up to the overall maximum limit.

not subject to deductible or coinsurance

Local Burial or Cremation

Up to $5,000 lifetime maximum.

not subject to deductible or coinsurance

Up to $5,000 lifetime maximum.

not subject to deductible or coinsurance

Accidental Death and Dismemberment

(excludes loss due to common carrier accident)

Ages 18 through 69

Lifetime Maximum - $50,000

Death - $50,000

Loss of 2 Limbs - $50,000

Loss of 1 Limb - $25,000

 

Under age 18

Lifetime Maximum - $5,000

Death - $5,000

Loss of 2 Limbs - $5,000

Loss of 1 Limb - $2,500

 

Ages 70 through 74

Lifetime Maximum - $12,500

Death - $12,500

Loss of 2 Limbs - $12,500

Loss of 1 Limb - $6,250

 

Ages 75 and older

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, coinsurance, or overall maximum limit

Optional Accidental Death and Dismemberment buy-up of $50,000 to lifetime max. $100,000 (available to ages 18-69 only)

Ages 18 through 69

Lifetime Maximum - $100,000

Death - $100,000

Loss of 2 Limbs - $100,000

Loss of 1 Limb - $50,000

 

Under age 18

Lifetime Maximum - $5,000

Death - $5,000

Loss of 2 Limbs - $5,000

Loss of 1 Limb - $2,500

 

Ages 70 through 74

Lifetime Maximum - $12,500

Death - $12,500

Loss of 2 Limbs - $12,500

Loss of 1 Limb - $6,250

 

Ages 75 and older

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, coinsurance, or overall maximum limit

Common Carrier Accidental Death

Ages 18 through 69 - $50,000

Under age 18$25,000

Ages 70 through 74 - $12,500

Ages 75 and older - $6,250

Subject to a maximum of $250,000 any one family or group.

not subject to deductible, coinsurance, or overall maximum limit

Ages 18 through 69 - $50,000

Under age 18 - $25,000

Ages 70 through 74 - $12,500

Ages 75 and older - $6,250

Subject to a maximum of $250,000 any one family or group.

 not subject to deductible, coinsurance, or overall maximum limit 

Crisis Response - Ransom, Personal Belongings,  Crisis Response Fees and Expenses, and Natural Disaster Evacuation

Up to $10,000.

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

Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.

Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.

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

Emergency Reunion

Up to $50,000, subject to a maximum of 15 days.

not subject to deductible or coinsurance

Up to $50,000, subject to a maximum of 15 days.

not subject to deductible or coinsurance

Bedside Visit

Up to $1,500.

– not subject to deductible or coinsurance

Up to $1,500.

– not subject to deductible or coinsurance

Return of Minor Children

Up to $50,000.

not subject to deductible or coinsurance

Up to $50,000.

not subject to deductible or coinsurance

Pet Return

Up to $1,000.

not subject to deductible or coinsurance

Up to $1,000.

not subject to deductible or coinsurance

Political Evacuation

Up to $10,000 lifetime maximum.

not subject to deductible or coinsurance

Up to $25,000 lifetime maximum.

not subject to deductible or coinsurance

Trip Interruption

Up to $5,000.

not subject to deductible or coinsurance

Up to $10,000.

not subject to deductible or coinsurance

Lost Checked Luggage

Up to $500.
not subject to deductible or coinsurance

Up to $1,000.
not subject to deductible or coinsurance

Travel Delay

Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.

not subject to deductible or coinsurance

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 or coinsurance

Natural Disaster – Replacement Accommodations

Up to $100 a day for 5 days.

not subject to deductible or coinsurance

Up to $200 a day for 5 days.

not subject to deductible or coinsurance

Hospital Indemnity

$100 per day of inpatient hospitalization.

not subject to deductible or coinsurance

$100 per day of inpatient hospitalization.

not subject to deductible or coinsurance

Personal Liability

Up to:

$10,000 lifetime maximum

$10,000 third person injury

$10,000 third person property

$2,500 related third person property

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

Optional Personal Liability buy-up of $90,000 to lifetime max. $100,000.

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, coinsurance, or overall maximum limit

 

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Need more information to compare Atlas insurance plans?

Visit each of the product pages below for more detailed information on Atlas plan benefits:

What happens if you get sick overseas? Guarantee you have health coverage.

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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.