AI

Atlas International

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
Tokio Marine HCC – MIS Group
Lloyd's of London
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 364 days
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Urgent Care
  • Cannot accept an address in Maryland (MD), New York (NY) & Washington (WA).
BUY

Atlas International Insurance provides travel and medical coverage for outside of the United States.

Please review Atlas International Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Urgent Care

$15 co-pay (deductible waived) for urgent care and walk-in clinics only applicable to claims incurred inside the US. Co-pay waived if $0 is chosen for policy.

Surgical Treatment

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Prescription Drugs / Medicines

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Lab & X-rays

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Physical Therapy

$50 per visit. Co-insurance is waived

In-Patient

Hospital Room

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Surgical Treatment

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Hospital Intensive Care Unit

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Emergency Services

Ambulance Expenses

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Emergency Room(ER)

After deductible, the plan pays 100% up to policy maximum for eligible expenses.
(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.)

Dental

Acute, spontaneous and unexpected pain

Up to $300

Accidental emergency

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Travel

Emergency Medical Evacuation / Repatriation

Up to $1,000,000 maximum lifetime limit.

Return of Remains

Air and/or ground transportation of bodily remains or ashes to the area of your principal residence, and reasonable costs of preparation of your remains necessary for transportation.

Emergency Reunion

Up to $50,000

Return of minor Child(ren)

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 of each covered child.

Trip Interruption

Up to 10,000 for 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.

Loss of checked Baggage

$1,000 limit per certificate period (not subject to deductible or coinsurance)

Life

AD&D

Up to Age 69: Up to $25,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6,250
Age under 18: Up to $5,000 (subject to a maximum of $250,000 any one family or group)

Optional Riders Available (see policy brochure for details)

Other

Pre-Existing Conditions

Under age 70, you are covered for acute onset of a pre-existing condition up to the selected medical maximum (excludes chronic and congenital conditions). And for Emergency Medical Evacuation coverage is up to $25,000.
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.

Local Burial or Cremation

Not covered

Maternity

Not covered

Incidental Home Country Coverage

Not covered

General Physical full Checkup

Not covered

Terrorism Coverage

Up to $50,000

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

Tokio Marine HCC – MIS Group

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 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:

  • US and Non-US citizens traveling outside their home country and country of citizenship.
  • If you are a Non-US citizen traveling outside your home country, including the USA, you are eligible for the Atlas America Plan.
  • If you are a Non-US citizen traveling to any country outside your home country, but not visiting the USA, you are eligible for the Atlas International Plan.
  • If you are a US Citizen traveling outside the USA, you are eligible for the Atlas International Plan.
  • The Atlas series Plan is not available for US citizens coming back to the USA, or other Non-US citizens going back to their Home Country/Country of citizenship
  • Q2. What Information do I need to buy the Plan?

    You would need the names, dates of birth, home address 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 extend the plan, if I plan to stay longer?

    Yes, if you buy the plan initially for more than 5 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge. The policy can be extended 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:

  • Written request is required for any cancellation.
  • You can get refund back, only if you do not need to visit the doctor/provider while the policy is in force.
  • If you cancel before the start date, you would get the full refund back.
  • If you cancel after the policy start date, you can get a pro-rated refund for the number of days left in the policy.
  • $25 cancellation fee applies.
  • If there is any claim on file, you would not get any refund back.
  • 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 an incidental trip to the 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 the final trip to the 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 to a provider within the PPO network for Atlas Plan, which is UnitedHealthcare.

    You can search for doctors and 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:
    Visitor Insurance 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 the Visitors Insurance FAQ section.
    If you still have questions, please send us an email at support@visitorscoverage.com or call our support line toll free: 1.866.384.9104

    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

    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.