Compare Atlas Travel Insurance

What is Atlas Travel insurance?

Atlas Travel is travel medical insurance designed to cover emergency health care costs incurred while traveling abroad. We offer two different plan levels so you can choose the plan that best fits your needs and budget. 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 flexible coverage for travelers while abroad. You can build your ideal plan by choosing your maximum coverage limit and deductible. You’ll also have the option to increase the coverage amounts of several key benefits.

  • Atlas Premium provides coverage for travelers interested in an elite package with higher benefit limits. A Premium plan may be ideal if you’re taking a shorter trip or you’re seeking more extensive coverage as you travel abroad.

Need more information before you decide?

Examine the chart below to compare 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, or $150,000

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000

Age 80 or older: $20,000

Age 70 to 79: $50,000, $100,000, or $150,000

All others: $50,000, $100,000, $250,000, $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, $100,000, or $150,000

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Age 80 or older: $20,000

Age 70 to 79: $50,000, $100,000, or $150,000

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Deductibles

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

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

Coinsurance 

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, 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 $300.
not subject to deductible 

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).

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)

Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower

Under age 70: Up to the overall maximum limit

Up to $25,000 lifetime maximum for Emergency Medical Evacuation

Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower

Under age 70: Up to the overall maximum limit

Up to $25,000 lifetime maximum for Emergency Medical Evacuation

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 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 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.

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 

Up to $5,000 lifetime maximum.

not subject to deductible 

Accidental Death and Dismemberment

(excludes loss due to common carrier accident)

Ages 18 through 69

Lifetime Maximum - $25,000

Death - $25,000

Loss of 2 Limbs - $25,000

Loss of 1 Limb - $12,500

 

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 or overall maximum limit

 

Optional Accidental Death and Dismemberment Rider (available to ages 18-69 only)

Lifetime Maximum - $25,000

Death - $25,000

Loss of 2 Limbs - $25,000

Loss of 1 Limb - $12,500

– not subject to deductible or overall maximum limit

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 or overall maximum limit

Common Carrier Accidental Death

Ages 18 through 69 - $50,000

Under age 18$10,000

Ages 70 through 74 - $25,000

Ages 75 and older - $12,500

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

not subject to deductible or overall maximum limit

Ages 18 through 69 - $10,000

Under age 18 - $10,000

Ages 70 through 74 - $25,000

Ages 75 and older - $12,500

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

 not subject to deductible 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 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 or overall maximum limit.

Emergency Reunion

Up to $100,000, subject to a maximum of 15 days.

not subject to deductible 

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 

Up to $1,500.

– not subject to deductible 

Return of Minor Children

Up to $50,000.

not subject to deductible 

Up to $50,000.

not subject to deductible 

Pet Return

Up to $1,000.

not subject to deductible 

Up to $1,000.

not subject to deductible 

Political Evacuation

Up to $100,000 lifetime maximum.

not subject to deductible 

Up to $150,000 lifetime maximum.

not subject to deductible 

Trip Interruption

Up to $10,000.

not subject to deductible 

Up to $15,000.

not subject to deductible 

Lost Checked Luggage

Up to $1,000.
not subject to deductible 

Up to $2,000.
not subject to deductible 

Lost or Stolen Passport/Travel Visa

Up to $100.

not subject to deductible

Up to $100.

not subject to deductible

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 

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 $250 a day for 5 days.

not subject to deductible 

Up to $500 a day for 5 days.

not subject to deductible 

Hospital Indemnity

$100 per day of inpatient hospitalization.

not subject to deductible 

$100 per day of inpatient hospitalization.

not subject to deductible 

Personal Liability

Up to:

$25,000 lifetime maximum

$25,000 third-person injury

$25,000 third-person property

$2,500 related third-person property

– not subject to deductible or overall maximum limit

Optional Personal Liability Rider of up to $75,000 lifetime maximum.

– not subject to deductible or overall maximum limit

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 

Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border

not subject to deductible

 

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*The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.

The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset.

 

Need more information to compare Atlas insurance plans?

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

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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.