Atlas MultiTrip provides you with international
health coverage for any number of pre-planned
or last-minute trips in a 364-day period. One
easy payment gets you coverage for multiple trips
of up to 30 or 45 days - whichever you choose.
Atlas
MultiTrip™
Insurance
Annual Multi-Trip Medical Insurance for Frequent International Travelers
Atlas MultiTrip is a convenient travel medical insurance option for travelers who plan to take multiple trips abroad in a one-year period. You make one payment to receive international health coverage for any number of pre-planned or last-minute trips – up to 30 or 45 days each – in a 364-day period.
Atlas MultiTrip provides coverage for unexpected medical expenses, including eligible expenses related to COVID-19.
Atlas MultiTrip Is Designed for:
- Business travelers seeking a budget-friendly health insurance solution for frequent international work travel
- International travelers who take multiple trips abroad each year
Travel Medical
Insurance Benefits
-
Atlas MultiTrip
Insurance -
Policy
Documentation -
Insurance
Exclusions
Highlights:
- Up to $1,000,000 of Overall Maximum Coverage
- Up to $1,000,000 for Emergency Medical Evacuation
- Up to $25,000 for Personal Liability
- Includes medical coverage for eligible expenses related to COVID-19
- Ability to add coverage for your spouse and/or child(ren)
Plan Details
Deductibles
$250 per covered trip
Maximum Per Injury / Illness
$1,000,000
Overall Maximum Limit
$1,000,000
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, only 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
- 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
(see below for description)
Up to the overall maximum limit
Up to $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
Ages 18 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 - 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
*Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if
all of the following conditions are met:
a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c) You must be under seventy (70) years of age;
d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f) You must be traveling outside your home country
Certain types of medical expenses are excluded from coverage under Atlas MultiTrip insurance. Some exclusions are listed here. Please 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, childbirth, 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)
*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
**Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute Onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under seventy (70) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
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 MultiTrip insurance can provide access to quality healthcare, travel assistance, and financial help if the unexpected strikes.
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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips 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.