Atlas Essential International is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration is available from 5 days to 364 days. After the deductible is satisfied, the plan will pay 100% of the URC for eligible medical expenses up to the policy maximum. Learn more about how Atlas Essential International works.
Atlas Essential International can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Atlas Essential International does not cover Pre-Existing medical conditions. Please review Atlas Essential International policy documents for complete coverage and exclusions.
Atlas Essential International
Comprehensive Coverage, A.M. Best Rating: A
Lloyd's of London
How Atlas Essential International Works
100%
Out of Network
100% URC up to policy maximum See How Atlas Essential International Works.
Key Travel Medical Insurance Benefits
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
How COVID-19 is Covered Under Atlas Essential International
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Eligibility
- For international travelers travelling anywhere outside their home country. No Coverage in USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 364 days in a policy period
- Extendable for up to 364 days
- If you are purchasing this plan for Schengen visa purposes, please select a zero dollar ($0) deductible
Similar Plans
Atlas International Premium
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam
- Emergency Dental Accident
- Prescriptions/Medication
- Quarantine Indemnity
- Trip Interruption
- Trip Delay
- Lost Checked Luggage
- Pre-Existing Conditions: No Coverage
Eligibility
- For international travelers travelling anywhere outside their home country. No Coverage in USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 364 days in a policy period
- Extendable for up to 364 days
- If you are purchasing this plan for Schengen visa purposes, please select a zero dollar ($0) deductible
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Cuba (CUB), Iran (IRN), North Korea (PRK), Puerto Rico (PRI), Russia (RUS), Syria (SYR), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Syria (SYR) & Ukraine (UKR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK) & Ukraine (UKR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of: Australia (AUS) & Canada (CAN)
Plan FAQs
Patriot International Lite
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For U.S & non U.S residents traveling internationally, excluding the USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Kosovo (XKX), Puerto Rico (PRI), Russia (RUS), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Patriot Platinum International
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage: Included
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Eligibility
- For U.S & non U.S residents traveling internationally, excluding the USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days
- Extendable for up to 365 days
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Kosovo (XKX), Puerto Rico (PRI), Russia (RUS), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
