AI

Atlas International

Comprehensive Coverage
AM Best Rating
A++ (Superior)
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.

100%
Out of Network

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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Extendable & 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
  • Urgent Care
  • Not available to individuals who are physically located in: New York, Maryland, Washington, Canada or Australia at the time of purchase.
    Not available if Home Country/Country of Residences is: Cuba, Iran, North Korea
    Not available for Citizens of: Cuba, Iran & North Korea
    Not Available for the following Destination Countries: Cuba, Iran, North Korea, & United States
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++ (Superior)

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 International plan?

The Atlas International plan is available for:

  • Non-US citizens traveling outside their home country and country of citizenship. (If you are a Non-US resident traveling to the USA, you are eligible for Atlas America plan.
  • If you are a US citizen traveling outside the U.S, you are eligible for the Atlas International plan.
  • The Atlas International 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, travel dates, and mailing address of the visitors. A valid credit card is also required to purchase the plan.

    Q3. When will I receive my ID card?

    An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your ID card.

    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. It is recommended to extend the plan at least two days before the policy expires. There is be an $5 extension fee added to the premium for the additional days of coverage. 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. 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.

    Q7. 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.

    Q8. Which doctor or hospital can I go to?

    You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses. However, if you choose to go to a provider within the PPO network United Healthcare for Atlas America, benefit prices may be negotiated./p>

    You can search for doctors and hospitals in this Provider Directory.

    Q9. How do I use this insurance?

    Please refer to the following article about the policy usage: How to use Visitor Insurance?

    Q10. How do I file a claim?

    Please refer to the following article concerning the claim process:
    Visitor Insurance Claim Process

    Q11. 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.

    Q12. Where can I find answers to other questions I have?

    Please refer to the Visitors Insurance FAQ 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

    Q13. Does Atlas International cover coronavirus?

    Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

    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.