- Comprehensive coverage plan
- Coverage from 5 days to 364 days
- Renewable and Cancelable
- Covers during international travel
- Acute onset of pre-existing conditions coverage
- Cannot be physically located in Maryland, New York, Washington, Canada or Australia at time of purchase
- Not available to Residents of: Australia, Canada, North Korea, South Sudan, Iran, Syria and Cuba
- IDD Important Notices
Here is a complete list of benefits of Atlas International
(Emergency Room cost not covered for general illness unless hospitalized. Prefer going to an urgent care facility or make an appointment directly with doctor for general illness related conditions.)
For age 70-79, up to $100,000 in acute onset of pre-existing conditions coverage.
An acute onset of a re-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.
- US States Restrictions Restricts a person physically located in New York (NY), Maryland (MD) and Washington (WA) to purchase the plan
- Country Restrictions Cannot be purchased for travel to and from Australia, Canada, North Korea, South Sudan, Iran, Syria and Cuba. For Cuba, only US citizens & residents can get the Atlas International Policy.
US citizens: Home Country is always the United States, regardless of the location of your Principal Residence.
Non US citizens: Home Country is the country where you principally reside and receive regular mail.
- Coverage in U.S.A. Not Covered
- Coverage outside U.S.A. Covered
Min 5 days to 364 days.
|Plan Administrator Company||HCC MIS|
|Carrier / Underwriter||Lloyd's of London|
|Eligibility||Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2) travelling outside their home country. Can not be purchase for travel to and from Australia.|
|Plan Type|| Comprehensive Coverage Plan
Unlike schedule plan, this plan covers expenses at the limit of maximum coverage, with co-pay and applicable deductible.
|AM Best Rating||A (Excellent)|
|Coverage in U.S.A.||Not Covered|
|Coverage outside U.S.A.||Covered|
|Co-Pay||$15 co-pay (deductible waived) applicable for urgent care and walk-in clinic facilities.|
|Trip Interruption|| Up to $10,000.
The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence.
|Co-Insurance||No Co-Insurance; 100% Covered, after deductible|
|How the Benefits are Paid||After deductible is met, plan pays 100% up to policy maximum for covered sickness or injury|
|Plan Effective Date||Your coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am US Eastern Standard Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am US Eastern Standard Time on the date you request on your Application.|
|Plan End Date||Your coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).|
|Renewability||Renewable with $5 fee each time you renew, up to a maximum period of 364 days.|
|Cancellation||Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)|
|PPO Network||Out of US visit any doctor or hospital|
|Coverage Length||Min 5 days to 364 days.|
|Available Deductibles||Choose From: $0, $100, $250, $500, $1,000, $2,500 or $5,000 per Policy Period or Annual.|
|Available Coverage|| Choose From: $50,000; $100,000; $250,000; $500,000; $1,000,000; $2,000,000
For Age 70-79 max coverage is limited to $50,000, $250,000
For Age 80+ max coverage is limited to $10,000.
|Provider Directory||By Provider, Phone Nos. : 800-605-2282 or 317-262-2132|
|Plan Brochure||Atlas International Brochure|
|Home Country Definition|| US citizens: Home Country is always the United States, regardless of the location of your Principal Residence.
Non US citizens: Home Country is the country where you principally reside and receive regular mail.
|US States Restrictions||Restricts a person physically located in New York (NY), Maryland (MD) and Washington (WA) to purchase the plan|
|Country Restrictions||Cannot be purchased for travel to and from Australia, Canada, North Korea, South Sudan, Iran, Syria and Cuba. For Cuba, only US citizens & residents can get the Atlas International Policy.|
Atlas International Insurance FAQs
Q1. Am I eligible for the Atlas Series Plan?
The Atlas Series plan is available for:
Q2. What Information do I need to buy the Plan?
You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan.
Q3. When will I receive my ID card?
You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance.
Q4. Can I renew the plan, if I plan to stay longer?
Yes, if you buy the plan initially for more than 5 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge. The policy can be renewed for up to a maximum of 364 days.
Q5. Can I cancel the plan, if I plan to go back earlier?
Yes, you can cancel and get a refund for the Atlas International/America Plan, if you need to go back earlier than planned. The following rules apply:
Q6. Are pre-existing conditions covered by the Atlas America/International Plan?
Pre-existing conditions are not covered by Atlas America/International Plan. However, the Atlas Plan covers up to the policy maximum for acute onset of pre-existing conditions in people up to 69 years of age. For age 70-79, the plan provides up to $100,000 in coverage for acute onset of pre-existing conditions. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.
Q7. What is an acute onset of pre-existing condition?
An acute onset is a sudden 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, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.
Q8. What's the Rx Discount Card that comes with this plan?
This is a discount savings program available to every certificate holder of the Liaison plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.
This discount program is not insurance coverage. It is purely a discount program to purchasers of the Liaison Continent plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.
Q9. What is the Incidental Home Country Coverage?
During the policy period, if you need to go back to your home country for a short trip, and come back again, then the plan would cover in your home country for such short trips. For US citizens,coming back to the USA for an incidental trip, the maximum number of days for coverage is 15 days. The maximum number of days covered in incidental trip to home country for NON US citizens is 30 days. The trip must not be taken for medical purposes. Incidental home country coverage does not apply to final trip to home country.
Q10. Which doctor or hospital can I go to?
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Atlas Plan, which is the First health Coventry Network.
You can search for doctors or hospitals in this Provider Directory.
Q11. How do I use this insurance?
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Q12. How do I file a claim?
Please refer to the following article concerning the claim process:
Q13. When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?
Based on the desired coverage length you have selected, you have to make the full payment at once.
Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.
Q14. Where can I find answers to other questions I have?
Please refer to Visitors Insurance FAQs section.
Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information
Important renewal information about your Atlas America visitor insurance:
- Atlas International insurance has the option for online extension of minimum 5 days to 12 months.
- There is a $5 renewal fee every time you renew the policy.
- It is recommended to renew your policy a day before the policy expiration date.
- Once the policy expired you no longer have the option for renewal. In such cases you may apply for a new policy.
- Premium may increase at renewal:
- Based on applicants age at the time of renewals.
- Rates are subject to change at underwriters discretion.
- Benefits may change based on the applicants age at the time of renewal.
Have the following information handy:
- Current I.D./Certificate number (Make sure you enter the certificate number as it is including the dash).
- Primary Insured's Birthdate.
(Date of birth should be entered as mm/dd/yyyy)
- Credit Card Information.
The Atlas International travel medical insurance policy is cancellable.
If cancelled before the effective date:
- You can get a full refund if the cancellation is done before the coverage begins.
If cancelled after the effective date:
- A prorated refund is possible only if no claim has been filed. For instance, if you buy the policy for 3 months from January 1 to March 31 and file a request for cancellation on January 16, then the period of January 17 to March 31 would be considered for a refund.
- A $25 cancellation fee is applicable for any policy cancelled after the effective date.
- A refund amount, if any, will be refunded the same way it was paid. If you made the payment using a credit card, the refund will go back to the same credit card.
How to Cancel
You can cancel your visitors insurance policy with the following steps:
- Step 1. Sign in to the Customer Portal using the policy number and the primary insured's date of birth
- Step 2. Find the plan you want to cancel and click cancel. Fill out the required fields and complete cancellation
- Step 3. Allow 7-10 business days for processing and refund