- AM Best Rating
- A (Excellent)
Lloyd's of London
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
- Urgent Care
- Not available to individuals who are physically located in: New York, Maryland, Washington, Australia, or Canada at the time of purchase.
Not available if Home Country/Country of Residences is: Australia, Cuba, Iran, North Korea. or Syria
Not Available for the following Destination Countries: Cuba, Iran, North Korea, Syria, US Virgin Islands & United States
(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.)
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)
An acute onset of a pre-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.
Plan Administrator Company
Carrier / Underwriter
Lloyd's of London
AM Best Rating
Can be purchased by anyone traveling outside their home country. Can not be purchase for travel to and from Australia.
Comprehensive Coverage Plan
Unlike schedule plan, this plan covers expenses at the limit of maximum coverage, with co-pay and applicable deductible.
Coverage in U.S.A.
Coverage outside U.S.A.
$15 co-pay (deductible waived) applicable for urgent care and walk-in clinic facilities.
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.
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).
Extendable with a $5 fee each time you extend, up to a maximum period of 364 days.
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)
Out of US visit any doctor or hospital
Min 5 days to 364 days.
Choose From: $0, $100, $250, $500, $1,000, $2,500 or $5,000 per Policy Period or Annual.
For ages up to 65, choose from: $50,000; $100,000; $250,000; $500,000; $1,000,000; $2,000,000
For Age 65-79, chose from: $50,000 or $100,000
For Age 80+ max coverage is limited to $10,000.
Inside USA 800-605-2282
Outside USA 317-262-2132
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
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:
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:
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:
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.
Q14: Does Atlas International cover the Coronavirus vaccination?
Atlas International doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions.
Q15. When does my coverage start on my travel medical insurance plan?
Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.
Q16. There is a 5-day minimum purchase for the plan, what if I cancel before being covered for 5 days?
There is a 5-day minimum to purchase the plan. Since there is a minimum requirement, if a policyholder requests for a partial cancellation, the 5-days is retained and will be deducted from the refund.
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.