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AI
Atlas International
Underwriter: Lloyd's of London
Plan pays 100% up to policy maximum 
- 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 accept an address in Maryland (MD), New York (NY) & Washington (WA).
- Not available to Residents of: Australia, Canada, North Korea, South Sudan, Iran, Syria and Cuba
Policy info
Plan Administrator: HCC MIS
Carrier: Lloyd's of London
AM Best Rating: A(Excellent)
Useful Links
Out of US visit any doctor or hospital
Atlas International Insurance provides travel and medical coverage for outside of the United States.
Please review Atlas International Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Benefits
Plan Overview
FAQs
Dr. / Physician Visit
100% Covered
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
100% Covered
Prescription Drugs / Medicines
100% Covered
Lab & X-rays
100% Covered
Physical Therapy
$50 per visit. Co-insurance is waived
Hospital Room
100% Covered
Surgical Treatment
100% Covered
Hospital Intensive Care Unit
100% Covered
Ambulance Expenses
100% Covered
Emergency Room(ER)
100% covered for injuries
(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.)
(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.)
Acute, spontaneous and unexpected pain
$100 per certificate period
Accidental emergency
100% Covered
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
$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
$500 limit per certificate period (not subject to deductible or coinsurance)
AD&D
Up to Age 69: Up to $50,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6250
Age under 18: Up to $5,000 (subject to a maximum of $250,000 for any one family or Group)
Optional Riders Available (see policy brochure for details) (dependents: $50,000)
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6250
Age under 18: Up to $5,000 (subject to a maximum of $250,000 for any one family or Group)
Optional Riders Available (see policy brochure for details) (dependents: $50,000)
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.
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
$50,000
Brochure
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
