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Atlas
International
Insurance


Travel Medical Insurance for 

International Travel 

Atlas International is our Atlas Travel plan for individuals whose international travel plans do not include the United States.


Atlas International can provide access to quality healthcare, important medical and emergency travel benefits, and travel assistance as you explore the world abroad. Coverage includes eligible expenses related to COVID-19.

Atlas International is Travel Medical Insurance Designed for:

  • Tourists and vacationers
  • Business travelers and digital nomads
  • Missionaries and international volunteers
  • Backpackers, adventure travelers, and eco-tourists
  • Study abroad students

    Are you a non-U.S. citizen or resident whose travel plans include the United States? Explore our Atlas America plan for travel to the USA.
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  • Atlas International®
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

Atlas International will cover 100% of your eligible expenses—after the deductible and up to the overall maximum limit—as you travel abroad for up to 364 days.


You can build your plan by choosing your deductible, coverage length, and overall maximum coverage. You’ll also have the option to increase your coverage for several key benefits at purchase.


NOTE: Atlas International is our Atlas Travel plan for individuals whose travel plans do not include the United States. Atlas International will be automatically chosen for you when you purchase Atlas Travel insurance and select that your travel plans do not include the U.S.

Atlas International Highlights:

  • Up to $2,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Medical coverage for eligible expenses related to COVID-19
  • Emergency travel benefits including AD&D, Political Evacuation, & Crisis Response
  • Supplemental travel benefits including Trip Interruption & Travel Delay
Plan Details

Deductibles

$0, $100, $250, $500, $1,000, $2,500, $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, $1,000,000, or $2,000,000


Overall Maximum Limit

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

All others: $50,000, $100,000, $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 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

- 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


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


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 $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: $25,000

Death: $25,000

Loss of 2 limbs: $25,000

Loss of 1 limb: $12,500

 

 

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
Ages18 through 69
Ages 70 through 74
Ages 75 and Older



$10,000

$50,000

$25,000

$12,500

 

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

- no subject to deductible or overall maximum limit


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

Up to $10,000 per certificate period - 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


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 $100,000 lifetime maximum - not subject to deductible


Trip Interruption

Up to $10,000 - not subject to deductible


Lost Checked Luggage

Up to $1,000 - not subject to deductible 


Lost or Stolen Passport/Travel Visa

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 


Natural Disaster - Replacement Accommodations

Up to $250 a day for 5 days - not subject to deductible


Hospital Indemnity

$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


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 International insurance. Some exclusions are listed here. Please refer to the Atlas International (Atlas Travel) 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.



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Why Do I Need

Atlas International Insurance?

There are many reasons to consider Atlas International insurance for your trip abroad:

  • International travel can represent financial risk. No matter your planned destinations or activities, there’s always a chance you could experience an unanticipated travel complication, accident, or sickness that calls for travel medical insurance. Atlas International can cover eligible hospitalizations, surgery, travel delays, and other expenses required to get your trip back on track.

  • Your regular health insurance may provide limited or no coverage once you leave your home country. That’s why the U.S. Department of State recommends that you “ask your medical insurance company if your policy applies overseas – and if it covers emergency expenses such as medical evacuation.” If it doesn’t, Atlas International can provide the international coverage you need.
  • An emergency medical evacuation can be very expensive. According to the Centers for Disease Control and Prevention (CDC), medical evacuation can cost more than $100,000. Atlas International provides up to $1 million for a covered emergency medical evacuation.

  • Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses. Atlas International meets the requirements of many visas, including Europe’s Schengen visa. It also provides policyholders with a visa letter that can serve as proof of coverage or help prove your ability to pay for unexpected medical expenses.

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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.